Key Points Lock in the “Real” Yield: With inflation at 3.1% and top CDs at 4.15%, you are currently beating rising costs by over 1%. If rates “slide” this summer as predicted, that profit margin will likely disappear. Beat the Bank’s “Front-Run”: Banks usually drop their rates 2–4 weeks before …
Daniel Desilva 
The Financial Checklist for New Parents: From 529 Plans to Life Insurance
Key Points Protect the “Income Engine”: Your ability to earn is your child’s biggest asset. Prioritize Term Life Insurance (10–15x your salary) and Disability Insurance to ensure their lifestyle is protected if you can’t work. Maximize the “New” 529 Plan: It’s not just for college anymore. Under current SECURE 2.0 …