VISTA Unplugged fall
2025
If you can’t explain it simply, you don’t understand it well enough.
– Albert Einstein
A Message From Jeff
Fall remains my favorite season—the electric energy of Friday night lights, the soulful bugle of elk echoing through the wilderness, crisp nights painted with vibrant foliage, and the warm, unmistakable scent of roasting chiles in the air. As we move into the second half of 2025, we find ourselves in a dynamic economic and political landscape shaped by rapid technological advancements, geopolitical shifts, and evolving market conditions. Rest assured, at Speicher Private Wealth, we’re here to guide you through it all.
The first half of 2025 introduced significant changes, notably the passage of the President’s “One Big Beautiful Bill Act” (OBBBA), signed into law on July 4th. This cornerstone of his second-term economic agenda is widely expected to stimulate growth, with analysts projecting an average annual GDP boost of about 1%. However, it also adds to our long-term fiscal deficit and growing
JEFF SPEICHER FINANCIAL ADVISOR
national debt—a challenge our leaders must eventually address, though not in this cycle.
At Speicher Private Wealth, our approach remains steadfast: Understand what drives our clients and control what we can control.
We stay vigilant about corporate earnings and global developments, leverage cutting-edge technology for smarter research and portfolio management, prioritize tax efficiency, and maintain a long-term perspective. As we look to the rest of 2025, we see a landscape rich with opportunities. Using our Vista Process, we will make sure to keep you “work optional”.
We’re also thrilled to share that Speicher Private Wealth is embracing innovative technologies to enhance your experience. These advancements will provide you with greater situational awareness, empowering you to focus on what matters most—spending time with loved ones and pursuing what brings you joy.
We remain deeply committed to helping you achieve your financial goals and share your optimism in the enduring vitality of the American dream. Thank you for trusting us as your partner in this journey. We hope the following articles inspire you to focus on what matters most.
With Gratitude,
Jeff Speicher, AIF® Founder - Managing Director
VISTA UNPLUGGED NEWS
What’s Inside:
Fall Reading Idea
Savoring the Spice: Green Chili Magic in Southwest Colorado
The Camino de Santiago: A Journey of Soul and Sole
Paying a Visit to an Old Friend
Pickleball Fever: The Sport Sweeping the Nation
The OBBB Act of 2025
The Philosophy of Wealth Transfer
Shared Purpose and Gratitude
Fall in Love with Pet Care: Tips for a Happy, Healthy Season
Recipe Corner
Vista UnPlugged Closing
Newsletter Disclosures
Securities and advisory services offered through Prospera Financial Services, Inc. Member FINRA, SIPC. 5429 LBJ Freeway, Suite 750, Dallas, TX 75240
The material in this newsletter does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
Our firm does not provide legal or tax advice. You should consult with legal and tax advisors before making any investment decisions that would have legal/tax consequences.
Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANK-GUARANTEED/ MAY LOSE VALUE
Fall Reading Idea
Overview
Over the course of my successful career, I’ve had the privilege of meeting remarkable speakers who addressed diverse topics, from markets and investing to personal development. Approximately 15 years ago, while attending the Barron’s Conference, I had the honor of hearing and meeting Dan Buettner, the author of The Blue Zones: Lessons for Living Longer From the People Who’ve Lived the Longest. Published in 2008, this book draws on Buettner’s research with National Geographic, identifying five “Blue Zones” where people live exceptionally long and healthy lives: Okinawa (Japan), Sardinia (Italy), Nicoya (Costa Rica), Icaria (Greece), and Loma Linda (California, USA).
Key Themes
Core Concept Blue Zones are areas with high concentrations of centenarians and low rates of chronic diseases. Buettner identifies lifestyle and environmental factors contributing to longevity.
Power 9 Principles The book outlines nine common traits across Blue Zones:
1. Move Naturally: Regular, low-intensity physical activity (e.g., walking, gardening).
2. Purpose: A sense of purpose or reason to wake up daily.
3. Downshift: Stress-relieving routines like prayer, napping, or social time.
4. 80% Rule: Eating until 80% full to avoid overeating.
5. Plant Slant: Diets heavy in plant-based foods, with minimal meat.
6. Wine at 5: Moderate alcohol consumption, often wine, with friends or meals.
7. Belong: Strong faith-based or community involvement.
8. Loved Ones First: Prioritizing family and close relationships.
9. Right Tribe: Surrounding oneself with health-conscious social circles.
Research Basis Buettner collaborated with demographers and scientists to verify ages and study lifestyle factors. The book blends storytelling, interviews with centenarians, and data.
Impact It popularized the Blue Zones concept, leading to follow-up books (e.g., The Blue Zones Solution), a Netflix docuseries (2023), and community initiatives to apply these principles globally.
Savoring
the Spice Green Chili Magic in Southwest Colorado (Blue Zones version)
Nothing captures the season like the aroma of roasting chiles. Southwest Colorado, with its rugged mountains and vibrant culinary scene, is a haven for food lovers seeking bold, traditional flavors. At the heart of this region's gastronomy is green chili—a savory, spicy stew or sauce that's a cultural staple. Influenced by New Mexico's Hatch chiles and local Colorado varieties like Pueblo, it features roasted green chiles simmered with pork, tomatoes, onions, garlic, and spices for a hearty meal. Colorado-style is often chunkier with tomatoes, differing from New Mexico's chile-focused version. It shines in burritos, over eggs, or as a standalone bowl, delivering heat and nutrition—rich in vitamins A, C, K, potassium, and capsaicin for immune and digestive benefits. In Durango, fresh ingredients and recipes make it unforgettable. Explore two standout spots: Durango Diner and Griego's North, plus a home recipe.
Durango Diner: Classic Comfort with Legendary Heat
Nestled in Durango's heart, this diner has served breakfast and lunch for over 60 years. Its famous green chili—voted Durango's best—is a spicy sauce made fresh daily with green chile peppers, chicken base, lemon juice, soy oil, flour, garlic, and spices. Available in local stores for over 20 years and shipped nationwide, it's versatile: smother huevos rancheros, burritos, or hashbrowns. "The Cure" breakfast special for a zesty start. Fans rave about its heat and flavor, with jars perfect for home.
Griego's North: Family Recipes and Authentic Punch
Up Main Avenue, this family-run gem offers cozy Mexican comfort with homemade Hatch green chili. A Durango staple for over 30 years, it's praised for flavorful, spicy chili in dishes like green chili meat and bean burritos, cheese enchiladas, and smothered rellenos. Standouts include sopapillas and tacos. Reviews highlight the phenomenal taste, affordability (cash only), and home-style authenticity—many crave it long after leaving. A local secret for generations.
Bringing It All Together
Whether at Durango Diner, Griego's, or at home, green chili embodies Southwest Colorado's spirit. With seasonal roasts, it's a land-to-table connection. Chase the heat in Durango or cook at home, nothing tastes more like autumn.
The Camino de Santiago: A Journey of Soul and Sole
Over the past few years, three of our clients walked the Camino de Santiago in Spain—a pilgrimage blending history, culture, and stunning landscapes. Whether seeking spiritual renewal, adventure, or a break from routine, the Camino offers transformation. Let’s explore its allure and tips for your journey.
What is the Camino de Santiago?
The Camino de Santiago, or Way of St. James, is a network of ancient pilgrimage routes leading to the Cathedral of Santiago de Compostela in Galicia, Spain, where St. James’s tomb reportedly lies, a key Christian site. Over 300,000 travelers annually—believers and explorers—walk its paths for spirituality, camaraderie, and scenery.
A Brief History
Originating in the 9th century with the discovery of St. James’s tomb, the Camino became a major medieval pilgrimage. The 12th-century Codex Calixtinus mapped routes, spurring growth. Revived since the 1980s, it now attracts diverse global pilgrims.
Main Routes
• Camino Francés: 484 miles from St. Jean-Pied-de-Port, France. Ideal for beginners, busy in summer.
• Camino del Norte: 509 miles along the coast from Irún. Scenic but challenging.
• Camino Primitivo: 203 miles from Oviedo. Rugged, historic, and quiet. Camino Portugués: Gentler, from Porto or Lisbon, growing in popularity.
• Camino Inglés: 68 miles from Ferrol, used by British pilgrims.
• Santiago-Finisterre: 56 mile extension to Cape Finisterre.
Why Walk the Camino?
Pilgrims seek faith, reflection, culture, or challenge. The Camino fosters community through shared meals and hostel chats, forging bonds. To earn the Compostela certificate, walk 62 miles or cycle 124 miles, collect credencial stamps, and state a spiritual purpose. Non-spiritual walkers receive a different certificate.
Planning Your Camino
• When to Go: Spring (April-May) or autumn (September-October) for mild weather, fewer crowds.
• Difficulty: Camino Francés suits beginners; Norte and Primitivo are tougher. Gear: Pack light (16-20 lbs)—walking shoes, backpack, breathable clothing, sleeping bag.
• Accommodation: Albergues ($6-18) or private hostels/hotels. Book ahead in peak season.
• Food: Menú del peregrino ($14) offers hearty meals. Breakfasts are simple.
• Cost: Budget $35-60 daily; private lodging increases costs.
Tips from Pete, Lori, and Brett
Start Small: Try the 68-mile Camino Inglés or final 62 miles of Francés.
• Savor the Pace: Linger in villages, enjoy medieval bridges, sip wine. Brett and Lori walked 35 days, averaging 15 miles daily.
• Connect: Engage with pilgrims—Pete stays in touch with a dozen new friends he met three years ago.
• Gear: Carry your pack or use transport services.
• Stay Safe: Follow yellow arrows, scallop shells; stay hydrated, check weather.
Final Thoughts
The Camino is a journey of self-discovery, connection, and wonder. Inspired by our clients? Grab a credencial and take the first step. Buen Camino!
Paying a Visit to an Old Friend
On a warm August Sunday, my son and I rode our motorcycles to Silverton, Colorado, to pay tribute to a dear friend I’ve known since college—a woman who lived with boundless enthusiasm, embracing life as “not a trial run.” Nancy Brockman was a communications expert, horse rancher, Harley enthusiast, and the proud owner of the whimsically named Hillbilly Hotel. Originally from New York, she honed her skills with an internship at Vogue magazine before founding Chimera Communications and settling in Durango in 1996. Yet, it was Silverton that truly captured her spirit. Diagnosed with uterine cancer two years ago, she declined the grueling treatments she’d seen family endure, instead pouring her energy into crafting a unique legacy beyond life.
Inspired by Japanese designer Itaru Sasaki’s “Wind Phone”—a disconnected booth created from personal grief after the 2011 tsunami and embraced globally for “calling” the departed—Nancy selected a plot near the town’s mining-era “soiled doves” in Hillside Cemetery. This untamed, park-like burial ground, strewn with stones bearing tales of “froze with 10 mules” or “blown up in a mine,” features sinkholes, picnics, and dog walks, all framed by breathtaking San Juan peaks. In a town where death carries an eccentric imprint, her Wind Phone bridges eternity, offering a heartfelt gift for all to connect across the divide with silent calls.
Nancy passed on August 18, 2024, earlier than expected. Before her departure, she packed a vintage suitcase with mementos for the afterlife. Within her booth, a poignant poem remains:
As we returned to our bikes, a group of ten passed by. I asked, “Who are you going to see?” The woman leading replied, “We’re visiting the phone booth—my father passed last week, and we’re here to speak with him.” I smiled and said, “That’s my friend Nancy!” She responded, “I’ve never met her, but I’ve heard she was an amazing soul.” Truer words have never been spoken.
For more about Nancy, a quick search for “Red Phone Booth Silverton” reveals numerous articles, including a compelling piece from The Colorado Sun dated September 15, 2024—well worth a read.
"Calling All Angels"
Wipe your tears. Take in the view. This phone of the wind is here for you. Connect your heart to those you love. The angels are listening in the winds above. And this is where I find myself.
- NB
Pickleball Fever: The Sport Sweeping the Nation
Over the past few years, clients have been buzzing about a sport called pickleball. During our Prospera Directors Circle trip this spring, my wife, Thess, and I decided to give it a try with some beginner lessons. Thess had never played a racquet sport, and I hadn’t picked up a tennis racquet since high school. Spoiler alert: we were hooked! Since that trip, we have been playing with our Crossfit group every Thursday afternoon.
A Brief History
Pickleball was born in 1965 on Bainbridge Island, Washington, created by Joel Pritchard, Bill Bell, and Barney McCallum. The name? It came from Pritchard’s dog, Pickles, who loved chasing the ball. What started as a backyard pastime has grown into a global phenomenon, with organizations like USA Pickleball (founded 1984) and the International Federation of Pickleball (2010) leading the charge.
Why Everyone’s Playing
Pickleball is the fastest-growing sport in the U.S., boasting over 36.5 million players in 2023, according to the Sports & Fitness Industry Association. It’s easy to see why:
• Simple to Learn: The rules are straightforward, and you don’t need fancy gear—just a paddle ($20–$200) and a perforated ball. I’ve found a complete kit on Amazon that includes balls, portable net, and 2 paddles for around $80.
• All Ages Welcome: Its low-impact nature makes it perfect for kids, seniors, and everyone in between, yet it still delivers a great workout.
• Community Vibes: You’ll find pickleball at local rec centers, parks, and converted tennis courts, fostering a fun, social atmosphere.
• Global Reach: Played in over 70 countries, with pro tours like the Professional Pickleball Association (PPA) and Association of Pickleball Professionals (APP) drawing crowds.
What’s New in Pickleball
The sport’s popularity exploded post-2020, thanks to its outdoor accessibility during lockdowns. Now, it’s everywhere—from schools and retirement communities to urban pop-up courts. Innovations like pickleball-specific shoes and high-tech paddles (think carbon-fiber faces) are hitting the market, and dedicated facilities are popping up nationwide. Celebrities like LeBron James and Tom Brady are jumping in, and media outlets like ESPN and CBS are covering the action.
Get in the Game
Curious to see pickleball in action? Check out YouTube videos for a glimpse of the fun.
Whether you’re a seasoned athlete or a complete newbies like Thess and I, pickleball is a blast. Grab a paddle, find a court, and join the fever! We have a 2-page distilled rules sheet given to us by the pro at the Broadmoor if you’d like a copy. Just call us at (970) 828-7000.
the OBBB Act of 2025: What you need to know
Signed by President Trump on July 4, 2025, the OBBBA overhauls tax, healthcare, and economic policies to boost savings and growth. At Speicher Private Wealth, we guide clients through these changes. Below is a condensed summary of 12 key permanent provisions and impacts, based on CBO analyses and tax sources.
1. Tax Relief for Savings
• Permanent 2017 Tax Rates & Thresholds: Extends brackets (10%-37%); expands standard deduction to $31,500 (joint), $23,625 (head of household), $15,750 (others), saving $3K-$7K/year for $150K-$300K earners.
• No Taxes on Tips/Overtime: Exempt up to $150K/$300K income (expires 2028), adding $500-$2K/year.
• Auto Loan Interest Deduction: Saves $200-$600/year (expires 2028).
• SALT Deduction: Cap rises to $40K for <$500K incomes, saving $2K-$4K in high-tax states (reverts 2030).
• Senior Boost: Extra $4K deduction for 65+, saving $400-$1.4K/year.
• Charitable Deductions: Non-itemizers deduct $1K/$2K (single/joint) from 2026; itemizers face 0.5% AGI floor.
2. Business & Investment Incentives (Permanent)
• QBI Deduction: 20% on pass-through income; expanded phases ($50K-$75K non-joint, $100K-$175K joint) + $400 min., saving $5K-$15K for $100K-$200K profits. R&D Deduction: Full expensing from 2026 for tech/biotech/manufacturing.
• 100% Bonus Depreciation: For assets post-Jan. 19, 2025 (ends 2030).
• Interest Expense: Includes depreciation in calcs for real estate/energy.
• Estate Tax: Exemption to $15M/$30M (individual/couple) in 2026, inflation-adjusted.
3. Family & Community Support
• Child Tax Credit: $2.2K/child (inflation-adjusted); phases out at $200K/$400K AGI. Medicaid/SNAP Changes: $1T Medicaid cuts over 10 years with work reqs (80 hrs/mo for 19-64); SNAP reqs for parents (kids >6) and 55-64 (20 hrs/wk), potentially raising costs $2K-$5K/year healthcare, $100-$300/mo groceries.
• Rural Healthcare: $50B fund for hospital stability.
• School Choice: $20B tax credits for scholarships, saving $1K-$3K/year on tuition.
4. Energy, Inflation & Other Taxes
• Clean Energy Ends: EV credits ($7.5K new/$4K used) post-Sept. 30, 2025; home efficiency/solar postDec. 31, 2025.
• Fuel Savings: Fossil fuel push may cut costs $100-$300/year.
• Remittance Tax: 1% on cross-border transfers post-2025.
• College Endowments: 1.4%-8% tax on large ones, possibly hiking tuition.
• Economic Outlook: $3.94T deficit (2025-2034) may spur 2%-4% inflation; debt to 124% GDP. Hedge with real estate/equities, but watch rates.
Pros for Wealth Building
• More cash from tax cuts/deductions for savings/debt.
• Business boosts via QBI/R&D/depreciation.
• Stronger communities via rural/education support.
• Easier legacy planning with estate relief.
Cons to Watch
• Higher healthcare/ grocery costs from cuts.
• Inflation eroding power/ raising loans.
• Benefits skewed to higher earners; lowerincome hit harder.
• Environmental costs from fossil focus.
• Added remittance fees.
Next Steps
A $200K-earning couple with a business could save $10K-$20K/year. Monitor
expirations (e.g., auto deduction 2028) and inflation. Partner with us and your CPA for tax optimization. Schedule a review; visit Congress.gov for full text.
UPDATE: Earlier this year, I sent you our annual Key Financial Data card to help you stay current on tax limits, retirement thresholds, and other important planning numbers. Normally, that card remains unchanged for the full year, but there is always the chance of mid-year legislation.
With the recent passage of the One Big Beautiful Bill (OBBB), several significant tax law changes are now in effect for the 2025 tax year.
Here are a few key highlights you should be aware of – all of them, in this top box, focused on the new Standard Deductions.
1. Expanded Standard Deduction
Starting in 2025, the standard deduction increases to:
• $31,500 for joint filers
• $23,625 for head of household
• $15,750 for single filers
2. Enhanced Senior Deduction
In addition, individuals aged 65 and older are now eligible for a new bonus deduction of $6,000 per person, potentially bringing a couple’s total deduction up to $46,700. ($31,500 + $7,600 + $7,600). The deduction phases out gradually for higher-income households.
3. Child Tax Credit Increased
The Child Tax Credit has been raised to $2,200 per child, with both the maximum and refundable amounts indexed for inflation moving forward.
This is not intended to be tax advice ---- simply, an update to the existing code.
Please do not hesitate to reach out with any questions and please let me know if you would like an updated version of our Key Financial Data for 2025. We are not reprinting the hard copies, but would be happy to email you one.
The Philosophy of Wealth Transfer: Cycles of Prosperity and Adversity in Family Legacies
As we navigate the last part of 2025, the "Great Wealth Transfer" is accelerating, with projections showing Americans aged 45-60 set to inherit roughly $1.4 trillion annually over the next decade. This massive shift—totaling an estimated $105 trillion by 2048—highlights the urgency of thoughtful generational planning. Beyond the numbers lies a deeper philosophy: how do we ensure wealth builds character, not complacency? Drawing from over 26 years of client discussions and recent trends, let’s explore the balance of estate planning, resilience-building, family values, and evolving legacies.
Beyond Money: Transferring Power and Values
Wealth transfer isn't just about dollars—it's about handing over economic, social, and decision-making power to the next generation. This raises tough questions: How do you raise kids in affluence without spoiling their drive? What's the right mix of opportunities and hard knocks to foster a strong work ethic?
At its core, effective transfer demands limits to encourage responsible use. Without them, wealth can breed dependency instead of self-reliance. Focus on children and grandchildren—the ones you know best—for personalized guidance. This sparks big philosophical debates: Do we build eternal dynasties, or let fortunes ebb and flow naturally?
The cyclical dance of prosperity and hardship is captured in classic adages. Author G. Michael Hopf, in his novel Those Who Remain, penned: "Hard times create strong men. Strong men create good times. Good times create weak men, and weak men create hard times." Echoing this, Sheikh Rashid bin Saeed Al Maktoum, the visionary founder of modern Dubai, observed: "My grandfather rode a camel, my father rode a camel, I drive a Mercedes, my son drives a Land Rover, his son will drive a Land Rover, but his son will ride a camel." These insights remind us that adversity sharpens resilience, while unchecked success can dull it. The key? Intentional planned transfers that weave in values, prepping heirs for booms and busts alike.
Building Grit: Why Challenges Matter More Than Ever
In today's cushioned world, too many safety nets can stunt growth. Financial buffers that protect kids from every bump often leave them ill-equipped for life's real storms. Stories from those raised without handouts show how scarcity breeds self-reliance, proving hard work beats silver spoons for lasting achievement.
Struggles aren't optional—they're essential for grit and bounce-back power. As an advisor who can guide these discussions, my job is to nudge clients to gauge their comfort with letting kids face money woes. These chats, while awkward, build trust, sharpen goals, and assure that the fruits of your labor create the legacy you want.
Many affluent folks, scarred by seeing friends' kids turn entitled or aimless from easy privilege, vow to dodge those traps. Spotting what you don't want simplifies strategy. Candid talks align wealth plans with parenting ideals, especially as 2025 trends push for family meetings to foster competence and
“My grandfather rode a camel, my father rode a camel, I drive a Mercedes, my son drives a Land Rover, his son will drive a Land Rover, but his son will ride a camel.”
― Sheikh Rashid
independence in the rising generation. This is what we are here for. Together, with our partners Wealth Advisors Trust we can fine tune a target based on your WHYs, then we can start discussing the how.
Practical Strategies: Blending Incentives and Guardrails
Philosophy meets practice in estate planning. Take one real-world setup: funnel most assets into a kids' trust, but with strings like keeping a C average in full-time school or getting a business plan greenlit by a trustee. This curbs abuse by slackers, channeling funds toward education or ventures that spark real progress.
First-gen wealth creators, like you, face the steepest climb, wrestling with the mindset flip from lean times to plenty. Unsure how to shield kids and grandkids from wealth's downsides, you can benefit from the stories of others we’ve worked with and a framework that guides our discussion. A smart blend of carrots (achievement bonuses) and sticks (staged fund releases) wards off laziness or waste.
Emotions muddy the waters—as a parent of two, I struggle with building humble warriors while being able to give my children everything they need, and most of what they want. Together, let’s bridge this gap, creating spaces to mesh ideals with family bonds.
Here are a few questions to ponder:
“What does success look like for your family two generations from now?”
“What values do you want your family to carry forward?”
“If you had to explain your wealth philosophy in one sentence, what would it be?”
“What do you want your planning to stand for and what conversations have you had—or avoided—with your heirs about wealth?”
Hard times create strong men. Strong men create good times. Good times create weak men. And, weak men create hard times.
Shared Purpose and Gratitude
Finding Clarity in Our Purpose
With over 26 years in the industry, I can confidently say that not all firms are created equal. While most financial firms provide planning tools, back-office technology support, research access, and more—standards expected today—what sets my partner firm apart is the deep personal relationships we’ve cultivated. This sense of connection reminds me of the days when my mentor, John Lester, brought me on board at PaineWebber, a feeling I haven’t experienced quite like this since.
Prospera Financial Services, an independent broker-dealer founded in 1982 by three Texas Tech fraternity brothers, is headquartered in Dallas, Texas. The firm is committed to
empowering independent financial advisors with a boutique, service-driven culture, enhanced by resources that rival those of larger firms. Prioritizing flexibility, independence, and personalized service, Prospera enables advisors to carve their own paths to success.The firm has been honored as Broker-Dealer of the Year by Investment Advisor Magazine multiple times, including 2009, 2010, 2012, 2014, 2015, 2018, and 2019.
Anchored in core values of honesty, integrity, and client-centered care, Prospera nurtures advisor growth through initiatives which foster relationship building and the sharing of best practices. A company’s strength lies in its values, and Prospera upholds the highest standards of integrity, earning client trust and fueling their success. The firm’s 28 key Fundamentals, outlined at https://www.prosperafinancial.com/our-values/, reflect the behaviors that define its distinctive culture, positioning Prospera as the industry’s gold standard.
The first fundamental, "Invest in relationships," is a promise Prospera’s leadership consistently fulfills. Last July Wes and I attended the Colorado BMX State Championship Series at Crown Mountain BMX, where we were warmly visited by founder Tim Edwards, his wife Kelli, and their daughter Emily. BMX tracks are not your typical business setting, but this encounter highlighted Prospera’s genuine care for advisors and clients. Wes and I were overjoyed to share his passion with them. Thank you, Tim, from the bottom of my heart—I’m truly grateful to be part of the Prospera family!
Fall in Love with Pet Care Tips for a Happy, Healthy Season
Last year, we welcomed Chief, a lively silver lab, to the Speicher family. Like our other dogs, he’s a good boy who gets along with our cats and Tyrsa’s chihuahuas but needs plenty of exercise as a working breed. At Speicher Private Wealth, nearly every one of our valued clients has a pet, each holding a special place in our hearts. Here are five tips to keep your furry, feathered, or scaled friends thriving this fall.
1. Keep Pets Cozy as Temperatures Drop
Cooler fall weather calls for extra comfort. For dogs like Chief, a cozy pet sweater is perfect for brisk walks, especially for short-haired breeds. Cats love snuggling in warm spots—offer soft blankets or a heated pet bed. For birds, keep cages draft-free and maintain stable temperatures. Check with your vet about breed-specific needs as daylight hours shrink.
2. Watch for Seasonal Hazards
Fall brings hidden dangers. Piles of leaves may conceal toxic mushrooms or mold that pets could ingest. Halloween candies, especially chocolate and xylitol-sweetened treats, are toxic to dogs and cats. Decorations like pumpkins can cause stomach upset if chewed. Quick tip: Store treats out of reach and try pet-safe plain pumpkin puree to aid digestion.
3. Maintain Exercise Routines
Shorter days can disrupt exercise schedules, but consistency is key. For dogs, use reflective collars or LED leashes for safe early morning or evening walks. Keep cats active indoors with feather toys or laser pointers. Fun challenge: Explore a new fall trail with your dog and share photos with our newsletter community by emailing us at grace@speicherwealth.com!
4. Boost Nutrition for Seasonal Changes
Fall is ideal for evaluating pet diets. Outdoor pets may need extra calories to stay warm—consult your vet about adjusting portions or adding omega-3 supplements for healthy coats, as dry air can cause skin issues. For birds, nutrient-rich leafy greens support immunity. Personal note: Chief adores a fall treat—a small spoonful of plain yogurt!
5. Schedule a Fall Vet Checkup
Book a vet visit for vaccinations, flea/ tick prevention, and dental exams. Fall allergens like ragweed can trigger itching or ear infections in pets. Your vet may suggest hypoallergenic shampoos or other remedies.
Let’s make this fall a season of health and happiness for our pets. How do your furry, feathered, or scaly friends enjoy the season? Email us with a story or photo—we’d love to hear about your companions! Share your favorite fall pet moments with us, and stay tuned for more tips in our next newsletter!
Thess’s Fiesta Green Chili Chicken RECIPE CORNER
Thess’s Fiesta Green Chili Chicken is a hearty, comforting dish that warms the soul—perfect for gatherings or cozy nights in. She perfected this balance of tender chicken, roasted chilies, and customizable heat over years. Finish with a bright lime squeeze (must-have touch) and let the fiesta begin!
1. Ingredients
• 3 cups roasted Hatch green chilies, canned or fresh (seeds and char removed, cut into ½-inch squares)
• 4 cups shredded chicken (~1½ lbs, from rotisserie or Instant Pot-cooked whole chicken)
• ½ red onion, diced (~¼-inch pieces)
¼ cup (½ stick) unsalted butter
• 2 tsp ground cumin
• 1 Tbsp garlic salt
• ½ tsp chili powder (adjust for spice)
• ¼ tsp freshly ground black pepper
½ tsp herbs de Provence
• 1 tsp crushed dried red chili flakes (optional, for heat)
• ½ can (7 oz) fire-roasted tomatoes, puréed with a pinch of salt
• 1 can (10.5 oz) cream of chicken soup
• 1 cup low-sodium chicken broth
Garnishes: Fresh cilantro, sour cream, Monterey Jack, Crushed Tortilla Chips, and lime
2. Instructions
1. Prep: Roast, peel, seed, and cut fresh chilies (if using fresh) into ½-inch squares. Dice onion; shred chicken.
2. Base: Melt butter in a large pot over medium heat until bubbling. Add onion; cook until soft and translucent (~5 min), stirring occasionally.
3. Spices: Stir in cumin, garlic salt, chili powder, pepper, herbs de Provence, and flakes (if using). Cook 1 min until fragrant.
4. Chilies: Add green chilies; cook 5–7 min until softened and aromatic, stirring.
5. Sauce: Blend tomatoes with salt; stir in and cook 2 min to meld.
6. Broth: Add soup and broth; simmer 5 min to thicken.
7. Chicken: Stir in chicken; heat through (~3 min). Taste and adjust.
8. Serve: Ladle into bowls. Garnish with cilantro, crunched up tortilla chips, sour cream (1–2 Tbsp), cheese, and lime. Pair with tortillas, cornbread, or rice.
Thess’s Tip: For depth, broil fresh Hatch chilies until charred, then peel/chop—it’s smoky magic!
#ThessFiestaChili!
At Speicher Private Wealth, we're dedicated to not only meeting but exceeding our clients' expectations. That's why we've recently integrated Holistiplan—an award-winning tax planning software tailored for our clients and CPAs. This powerful tool automates tax return reviews, uncovers planning opportunities, and provides clear, actionable insights to address the common concerns our clients face as year-end approaches. The best part is that we offer this service free of charge to you, our clients.
Simply email grace@speicherwealth.com or call us, at (970) 828-7000, and we'll send you a secure link to upload your 2024 Form 1040 tax return.
The resulting report is straightforward and chock-full of "suggested conversations" you can have with your CPA as 2025 draws to a close.
Thank you Steve for pointing out my mistake on “Murph” in the Summer Edition of UnPlugged. I mistakenly wrote 200 situps, when The Murph Challenge is actually a 1 mile run, 100 Pullups, 200 pushups, and 300 air squats, followed by another 1 mile run. 200 pushups is actually much harder.
