July
– NEWSLETTER –
2025
Market Commentary
Week in Review
While last week was lighter on economic data, global headlines were anything but quiet. Trade talks between the U.S. and China took center stage, and rising tensions between Israel and Iran rattled investor confidence. Still, beneath the surface, key inflation data and shifting expectations quietly shaped the market narrative.
Travel Tips
5 apps to help you beat jet lag
Every traveler has suffered from jet-lag at some point, and there’s no magical cure that works for everyone. However, there are some things that can help, and, surprisingly, technology is one of them.
Apps are one of the newest ways travelers have started combating jet lag, but can your phone really heal your exhausted and confused body and mind when enduring an 11-hour time change?
Maybe so. These five apps could help mitigate jet lag by regulating your circadian rhythms, relaxing you enough to put you to sleep or instructing you to do self-acupressure to reset your internal body clock.
DID YOU KNOW?
Jet lag started associating with circadian rhythms in the 1970s with the rise of entrainment and phase shift research, mimicking similar symptoms to jet lag when rhythms were disrupted.[10] These associations began the official recognition of jet lag as an effect of circadian disruption rather than a factor of travel fatigue.
DID YOU KNOW?
Most financial firms review your tax returns and estate plan. At Tadman Financial, we take it a step further. We take an active role in the planning process. We coordinate strategies so you get a team of professionals working together for your best interests. Connect with us today!
Financial Tips
What if I get audited?
The chances of an Internal Revenue Service audit aren’t that high. Between 2010 and 2020, the IRS only audited 0.49% of all individual tax returns.1
And being audited does not necessarily imply that the IRS suspects wrongdoing. The IRS says an audit is just a formal review of a tax return to ensure information is being reported according to current tax law and to verify that the information itself is accurate.
What’s happening at Tadman Financial?
Retirement Planning
Dinner Seminars
Tadman Financial will be hosting two retirement planning dinner seminars this fall: September 18th at the Stueckle Center (the Skybox at the Boise State football stadium), and October 16th at SpurWing Country Club. These are events we market to the public, but we always invite our clients as well, as they are a great opportunity to bring friends and referrals who you’d like to introduce to us, and have them hear more about what we do with retirement planning.
There is no cost to attend, and Marty will be highlighting his approach to building a solid retirement plan. We will be providing more details on these events in the coming months, but mark your calendar and start thinking about who you know that might benefit from retirement planning.
These events are geared toward people approaching retirement within the next 5–15 years, or those who are already retired. We’re also working on other events designed for those in earlier stages of their financial life and journey.
Client event
Recapping our event at the winery
Thank you to everyone who joined us for our recent client appreciation event at the winery! It was a fantastic day filled with sunshine, meaningful conversations, and, of course, delicious wine. We truly enjoyed spending time with each of you and celebrating the relationships that make our work so rewarding. Be sure to keep an eye out for details about our next event coming this November—we can’t wait to see you again soon!
Something Personal
Trip to Italy
My wife and I left the kids with the grandparents and headed to Italy for two and a half weeks, where we had so many amazing experiences exploring the country. Each city and region we visited had its own unique memories, and being the planner I am, we made the most of every hour of every day—seeing famous art and landmarks, awe-inspiring churches, breathtaking mountain, beach, and countryside scenery, and eating and drinking as much as we could handle.
We started in Rome, where our bags were delayed for two days—giving us a great excuse to do some shopping (and thankfully, we always get travel insurance, so everything was reimbursed). We explored historical sites such as the Colosseum, the Roman Forum, the Spanish Steps, Trevi Fountain, the Pantheon, the Vatican, and many more. We arrived just after the Pope’s funeral and just before the conclave; while visiting, we saw them installing the chimney for the conclave. Rome was extremely crowded, but it was still amazing to see these historical landmarks. We also spent a day exploring Tivoli’s villas, where ancient Roman emperors built massive estates with incredible views.
Next, we flew to Sicily and stayed on Ortigia Island, a beautiful historic city. We rented a car and drove up and down the east coast of the island, always taking the scenic route—our favorite stop being Taormina. We saw Mount Etna just weeks before its most recent volcanic eruption and hiked from the hilltop city down thousands of steps to the beach. Every hilltop city we visited offered stunning views. We found the oldest chocolate shop in Italy and even happened to witness the professional soccer team of Syracuse win their league championship, turning the city into an unforgettable celebration. This was also where we discovered real gelato, which quickly became a daily staple for the rest of the trip!
After Sicily, we returned to Rome and rented another car to begin our drive through our favorite region: Tuscany. My wife described the landscape as a “green ocean,” with rolling hills stretching as far as the eye could see. We found ourselves stopping every 15 minutes just to admire the views. Along the way, we even had to avoid wild boar crossing the road! Eventually, we made our way to Montalcino, where we stayed while in Tuscany. We took our first-ever winery tour and discovered that I’m a very simple (and cheap) date when it comes to wine—my favorite turned out to be the house wine! My wife, on the other hand, loves Moscato, and this winery happened to be one of the few in the region that makes it. We ordered some to ship home, and it’s now chilling in our fridge! On the road, we stopped at several other charming countryside towns to experience the culture, walk the streets, and enjoy local snacks.
We then headed to Florence. While we had many highlights there (including the food and wine!), the true showstopper was the statue of David. We spent 30 minutes just marveling at this masterpiece—no photo can do it justice. Standing 18 feet tall and so intricately carved, it truly stops you in your tracks. After our time in Florence, we took the train to Cinque Terre along the western coast and stayed for a few days. The area is made up of five small fishing villages built into the cliffs. A small train runs between the towns, which we used to explore, but we also hiked between several of them. We did one hike each day, which definitely helped burn off the calories—only to refill them with gelato and a spritz afterward! Each hike took about 90 minutes and involved steep elevation changes—600 to 1,000 steps up and down. But the views of the coastline made every step worth it.
From there, we took the train to Milan, a modern city sprinkled with historical gems. We had some of the best food of our trip in Milan, and I got to see my personal art highlight of the trip: The Last Supper by Leonardo da Vinci. We had 15 minutes in the room, standing just feet away from this masterpiece. I never knew it was painted on a dining room wall and had narrowly survived a World War II bombing. While in Milan, we also saw a Cirque du Soleil show with fantastic acrobatics and performances.
We ended our journey in Venice, where we explored the canals on a gondola ride and learned about this historic and one-of-a-kind city. We were incredibly lucky to catch the Vitruvian Man sketch by Leonardo da Vinci, which is only displayed publicly for a few months every six years. Surprisingly, hardly anyone knew about it, and we had the museum mostly to ourselves. It ended up being our favorite museum, not only for the sketch but also for its stunning art and decor.
We created a lifetime of memories. Experiencing Italy in so many ways made this a truly unforgettable trip for my wife and me to share together.