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b"In this episode of the Planned Solutions Incorporated Podcast, Student loan payments and interest charges are set to start once again on September 1st. However, the new SAVE Plan has expanded the rules for income-based student loan payments to reduce the payment amount for many borrowers. The definition of low-income borrowers has been expanded so more borrowers will qualify for zero payments under the new plan. In addition, those with income over the zero-payment threshold will be required to pay just 5% of their income rather than the 10% required previously.\\n\\nAlso, Utility stocks used to be considered low-risk investments that offered good income yields. However, times have changed, and many utility stocks face elevated risks due to high debt ratios and increased legal risks while the dividend yields have not kept pace with rising bond yields. This makes utilities a risker investment category that should be analyzed carefully before investing.\\n\\nAs well, In the past, employer-sponsored retirement plans only offered one option: tax-deducible traditional contributions. However, the ROTH provisions that were previously only allowed for ROTH IRAs were expanded to some employer-sponsored retirement plans, such as 457s/401ks/403bs several years ago. Now, the ROTH contribution option has been further expanded to employer-sponsored retirement plans designed for small businesses. This creates the option to add a ROTH provision to SIMPLE IRAs and SEP-IRAs. \\n\\nPlus a look at the Planned Solutions Incorporated Office Bulletin Board- It is official, We recently sent out the registration forms for our annual charity golf tournament. We are busy ordering the giveaways for the tournament and gathering donations for the silent\\nauction. We hope you will be able to attend (either golf or attend the dinner) or donate to a cancer charity to support our efforts.\\nThe Planned Solutions Cancer Memorial Charity Golf Tournament\\nDate: October 13, 2023\\nLocation: Rancho Murieta Country Club \\u2013 North Course\\n 7000 Alameda Drive\\n Rancho Murieta, CA 95683\\nTime: 1:00 pm shotgun start, 5:30 pm dinner\\nAll profits go to cancer research and education. You can help by attending the tournament or\\ndonating. Not golfing? Bring friends and attend the dinner.\\nChase Armer's book- Financial Planning Insights is now available at:\\nhttps://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpb\\n\\nTo subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail Katie@PlannedSolutions.com\\n\\nThe Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.\\n\\nPlanned Solutions, Inc."