Some gifts don’t come wrapped. They arrive when you surprise a neighbor with food, check in on a friend, or give without expecting anything in return. Those generous moments shape this season, and though all types of giving count, I hope you’re finding time for the kind that matters most to you.
This season finds us in a time of uncertainty. Prices are up, plans shifting, and many families are doing their best to stay balanced. With all the talk about rate cuts, new tax rules, and changing benefits heading into 2026, it can feel like there isn’t quite enough to go around—for next year or even the remaining days of this one.
But that’s why our work together is important. Steady, long-term strategies are designed to handle short-term seasonal shifts. And generosity can especially flip the script this time of year. Giving, whether it’s your time, money, or resources, multiplies what’s good and helps soften the hard parts—for everyone around.
Could more charitable giving benefit you in ways you’re not aware of? Let’s talk about it.
Chris Perme may be reached at 330-527-9301 or cperme@financialguide.com, www.permefinancialgroup. com.
Christopher Perme is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services,LLC. Member SIPC. (www.SIPC.org) Supervisory Office: 1956 Carter Road Suite 200, Cleveland, OH 44113. 216- 621-5680. Perme Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.
