Clifford Financial Planning, Inc.

▶️Here's a number worth sitting with: as of late 2025, the U.S. homeownership rate stands at 65.7%.

That's roughly two out of every three households.

And it's held steady—even through elevated 📈mortgage rates and shifting market conditions.

What that tells us is that homeownership 🏡 is still deeply woven into how Americans build their financial lives. It remains one of the most common ways families create memories and connect with the community.

If you're among those two-thirds, this month is a good moment to reflect on what that decision has meant for your household. If you're working toward it, know that millions of others have walked that same road.

This month is also an excellent opportunity to assess your overall financial situation, evaluate your home equity, and ensure that your maintenance funds 🛠️ are adequately secured. If you're aiming for this goal, create a comprehensive plan that considers these hidden expenses, allowing you to confidently step through your new front door.🔑🚪

☎️ (707) 526-1203
📩 [email protected]



Source: Census.gov, September 9, 2025

⚽️The FIFA World Cup KICKS off TODAY!🏆

The international championship for the world’s 🌎 most beloved sport 🥅 begins today, hosted by the United States🇺🇸, Mexico 🇲🇽 Canada🇨🇦. Here are some intriguing financial stats and facts about the World Cup:

⚽️Real Madrid is the most valuable team in the world, estimated at $9.5 Billion (according to Forbes)
⚽️FIFA overall operating budget is estimated at $3.76 billion (according to NY Times)
⚽️FIFA estimates it will earn approx $8.9 billion in revenue for the World Cup (Yahoo Finance)
⚽️Each of the 48 teams is guaranteed a base participation payout of $9 million (according to NY Times)
⚽️The champion team will be awarded $50 million (according to NY Times)
⚽️Christiano Ronaldo has the highest net worth estimated at $1.4 billions (according to Forbes)

✨Let the games begin! 🙌

⁉️Trump Accounts open on July 4th. A few questions are worth considering:

➡️ Our baby 👶 is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?👧🧒

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?👩‍🦳👨‍🦳

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Call or email Russ today for more information.

📨 [email protected]
☎️ (707) 526-1203