Advocate Wealth Solutions - February 2026

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YOUR FINANCIAL ADVOCATE A publication of Advocate Wealth Solutions, blending original and curated content, and is intended to educate the general public about investing, finance, estate planning, personal injury, and small-business issues. It is not intended to be legal or financial advice. Every situation is different. The information in this newsletter may be freely copied and distributed as long as the newsletter is copied in its entirety.

INSIDE

Facebook, Technology, and the Speed of Change PAGE 1 Staff Spotlight: Emily Leiter Our Podcast Client Appreciation PAGE 2 Mastering the Transition Into Retirement Spending Vodka Cream Pasta PAGE 3 Island Hop on a Hassle-Free Adventure to These Travel Destinations PAGE 4

Set Sail on a Getaway That Keeps Things Simple A CRUISE WHERE YOUR PASSPORT CAN STAY HOME

Have you been dreaming of a getaway, but the thought of renewing your passport is too much? Don’t worry, you can set sail without leaving the country. Passport-free cruises make it easy to explore charming towns, sunny beaches, and vibrant ports, all while keeping the logistics simple. CANADA AND NEW ENGLAND ADVENTURES Who says you need a passport to explore charming cobblestone streets, colorful harbors, and breathtaking fall foliage? Cruises from Boston, New York City, and Cape Liberty (New Jersey) make it easy to experience the magic of Canada and New England. Stroll through Halifax, Nova Scotia, savor lobster in Portland, Maine, or take in the quaint charm of Bar Harbor. With Norwegian Cruise Line, you can enjoy a journey hitting all these spots before returning to the Big Apple. SUN, SAND, AND CARIBBEAN VIBES If turquoise waters and golden beaches are more your style, the Caribbean is calling, and you don’t need a passport if you start from U.S. ports like Miami, Tampa, or Fort Lauderdale. Regent Seven Seas invites travelers aboard the Wonders in the Caribbean cruise, stopping in the Cayman Islands, Belize, Mexico, and more.

For a tropical twist, Royal Caribbean’s Southern Caribbean Holiday cruise begins in San Juan and visits Barbados, Trinidad, Tobago, and St. Maarten. BAHAMIAN BLISS Florida’s sunny ports are your gateway to The Bahamas. From Miami, Port Everglades, or Port Canaveral, you can hop on a Carnival or Disney cruise for a few nights of fun. Disney Cruise Line’s three-night Bahamian adventure aboard the Disney Wish includes Nassau and the legendary Disney Castaway Cay. Sand, sun, and smiles await without ever leaving U.S. waters. BERMUDA BOUND Just 570 miles off North Carolina, Bermuda is a perfect East Coast escape. Departing from New York City, Boston, Norfolk, or Miami, you can enjoy sandy pink beaches, historic Hamilton, and the charm of St. George. Carnival and Oceania offer cruises with relaxing days at sea and island adventures, perfect for a tropical getaway close to home. From the historic streets of New England to the sparkling waters of the Caribbean, these passport-free cruises make it easy to see the world while keeping things simple.

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