October 2025 - Bulwark Capital Management
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October 2025

Halloween Candy Unwrapped: What’s Your Favorite Treat?

By | Lifestyle

What was once a simple night of costumes and handmade treats has become a multi-billion-dollar industry. In fact, Americans spent nearly $12 billion on Halloween in 2024, and $3 billion of that went to candy alone. Since individually wrapped treats became the standard in the 1950s, Halloween candy has only grown in scale and spectacle. Today, large retailers like Walmart and Target stock massive assortments and bulk buying is the norm. But it isn’t just about cost and convenience, candy trends have shifted with each generation. Here is a look at how Halloween candy has evolved through the decades.

Sweet Beginnings: Pre-1950s

What came first, candy or Halloween? Believe it or not, ancient civilizations were enjoying honey-based confections long before Halloween traditions developed. Still, the modern candy era didn’t take shape until Joseph Fry debuted the first molded chocolate bar in 1847. Candy Corn, Wrigley’s Chewing Gum, and Tootsie Rolls soon followed, and by 1900, Hershey’s Milk Chocolate bar hit the market (selling for 5 cents per bar).  The cocoa and sugar craze led the candy industry to focus on basic mixtures like chocolate, caramel, and peanuts.

The roaring ‘20s introduced classics like Baby Ruth, Mounds, Milky Way, and Reese’s Peanut Butter Cups and the 1930s added Snickers, 3 Musketeers, and Tootsie Roll Pops to the mix. The confectionary boom continued into the 1940s with the invention of M&Ms, although the candy-coated pieces didn’t receive their iconic “M” stamp until 1950. These candies became household names and continue to dominate candy culture today, feeding the American sweet tooth. But the candy world wasn’t destined to stay sweet and simple.

The Rise of Fruity Flavors: 1950s & 1960s

Candy and Halloween became synonymous in the 1950s. Postwar suburban life encouraged trick-or-treating, and candy companies took advantage of the commercial opportunity by actively marketing kid-friendly, individually wrapped candies specifically for handing out. Although children continued to enjoy confectionery sweets, from enduring classics to once-popular treats like the Abba-Zaba taffy bar with its peanut butter center, American culture soon ushered in a more playful attitude. Bolder colors brightened everything from fashion to the candy aisle. Fruzola, a recent invention, was a fruit-flavored powder originally intended to be mixed with water to make a sweet drink. But kids had other ideas. They started downing the sugar straight from the packet, leading to the creation of the iconic Pixy Stix, six-inch paper tubes containing a variety of flavors like grape, orange, and cherry.

In the 1960s, fruit-flavored candy reigned supreme. Americans were introduced to Now & Later fruit chews, Lemonheads, SweeTarts, and one candy that remains in the top 10 most popular Halloween candies to this day: Starburst, originally sold under the name, “Opal Fruits,” in the original flavors of strawberry, lemon, orange, and lime, which are still available today. The name change was intentional, relating to the Space Race between the Soviet Union and the U.S. and resonated better with a global audience.

The Rise of Sour and Tangy Treats: 1970s & 1980s

Often considered the golden age for candy, the 70s and 80s brought television commercials with catchy jingles and playful characters that established an emotional connected with children. Fruit-flavored candies still prevailed in the 1970s with the introduction of Skittles, and the Reese’s Peanut Butter Cup gained even more fame with the release of Reese’s Pieces. The true innovation was the emergence of candy you could play with. The unique and explosive experience of Pop Rocks made it an instant sensation and Ring Pops quickly became a favorite among kids who loved the idea of edible jewelry.

Airheads hit the market in the 1980s, becoming a popular choice among candy lovers who appreciated a balance of sweet and sour. Sour Patch Kids also arrived at the scene, influenced by both the sour and sweet trend and the success of Cabbage Patch Kids. Additionally, Trolli gummy worms were released and featured in the blockbuster Ghostbusters, which helped it rise to fame. Candy innovation hit a peak with the launch of Nerds, which distinguished itself by its packaging and taste profile.

Extreme Flavors and Sensory Experiences: The 1990s & 2000s

These notorious decades were known for their over-the-top extremes. Although Warheads were created in Taiwan in the 70s, they were introduced to U.S. markets in the 90s and quickly became a defining part of the 90s culture. Caramel Apple Pops released and became one of the most-desired Halloween candies displaying a color similar to Nickelodeon’s iconic green slime, which was a symbol of kids’ entertainment. Gushers and Baby Bottle Pops were other notable candies that centered on delivering a sensory experience and multi-layered flavor profile.

By the 2000s, the Harry Potter series had become a cornerstone of global pop culture. Capitalizing on its immense popularity, Jelly Belly launched Bertie Bott’s Every Flavor Beans, a famous treat from the wizarding world brought in an interactive form for readers. Although the ongoing publication of the books helped keep the buzz alive, it was the blockbuster film adaptations that amplified commercial impact and cemented the jellybeans into the franchise culture.

Next-Gen Candy: 2010s & 2020s

Previous decades have pushed the candy industry to innovate at record speed, responding to pop culture moments and digital influence faster than ever before. A prime example is the 2018 U.S. debut of Kinder Surprise, also known as the Kinder Egg, a globally beloved chocolate egg with a mystery toy inside that gained popularity from social media. Its release was highly anticipated, and since then, Kinder has remained successful in making their treats more appealing by launching exclusive editions featuring brand collaborations with Paw Patrol, Harry Potter, and even the NBA.

Halloween candy aisles now showcase a mix of nostalgic classics and attention-grabbing new treats, proving that even today, the focus is as much about the experience as it is about the taste. Yet through all these changes, one thing remains constant: whether it’s a chocolate bar or a lip puckering sour treat, candy continues to be at the heart of the holiday.

Sources:

  1. https://candyflossmagazine.com/when-were-nerds-candy-invented/
  2. https://www.history.com/articles/iconic-american-candies
  3. https://www.fox13news.com/news/a-history-of-halloween-candy-trends-and-costs-through-the-years
  4. https://www.bhg.com/halloween-candy-timeline-11796557
  5. https://www.lovetoknow.com/celebrations/halloween/why-do-you-hand-out-candy-halloween
  6. https://www.statista.com/statistics/275726/annual-halloween-expenditure-in-the-united-states/
  7. https://candyloversemporium.com/where-to-buy-abba-zaba-candy-bar/
  8. https://historyofcandy.com/pop-rocks/
  9. https://sugarhighcandies.ca/blogs/news/top-candies-of-each-decade-from-the-1900s-to-2020
  10. https://csnews.com/bertie-botts-every-flavor-beans
  11. https://www.dailymail.co.uk/femail/article-4556642/Kinder-Eggs-set-release-January-2018.html

 

Disclosure:

Investment Advisory Services offered through Trek Financial LLC, an investment adviser registered with the Securities Exchange Commission. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed, and past performance is no guarantee of future results. For specific tax advice on any strategy, consult with a qualified tax professional before implementing any strategy discussed herein. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. Trek 25-342

 

Year end planning

Your 2025 Year-End Financial To-Do List

By | Financial Planning

Before you welcome 2026, make sure you’ve covered these 7 steps!

As 2025 wraps up, now is the time to take financial inventory. As your circumstances are constantly changing and evolving, the proper financial plan is not meant to be a set-it-and-forget-it thing. With the end of the year presenting the perfect chance to revisit your goals, here are a few areas you may want to check in on before we flip the calendar to 2026.

1. Review Your Financial Plan
As the year ends, it can be a great idea to reassess your financial circumstances and make necessary adjustments to your financial plan. Maybe your goals have changed. Maybe you’re on a fast-track toward goals you expected to take longer to reach, so you can move some dates up. And remember, it’s always important to make sure that your beneficiaries are up-to-date annually on all of your accounts, investments and insurance policies.

2. Adjust Your Monthly Budget
Now that we’re in the final quarter of the year, you may be in a good position to revisit your budget and adjust as needed. Maybe you received a nice annual bonus or raise, or maybe you’ve recently had a baby and haven’t had a chance to fine-tune your budget through the sleepless nights. No matter your circumstances or the new milestones and stages of life you reached this year, it can be a good idea to look at how your income keeps up with your expenditures and tweak accordingly.

3. Review Your Investments
Diversifying across different asset classes may help manage risk within your portfolio, which can be especially valuable during periods of market volatility. It’s also important to ensure your investments align with your personal risk tolerance, particularly as you approach retirement.

4. Recalibrate Your Retirement Account Contributions
As you traverse your career and attempt to carve out a lifestyle that will be sustainable once you get the chance to quit working and chase your retirement dreams, it’s important to know how much you’re allowed to contribute to your various accounts. In 2025, the contribution limit is $7,000 for traditional and Roth IRA accounts, and it is $23,000 for 401(k)s. In 2026, those limits are expected to increase to $7,500 and $24,500, respectively. If you’re 50 or older, you can also make catch-up contributions of up to $1,000 to your IRA and $8,000 to your 401(k).

5. Take Your RMDs 
Below is a chart showing the age at which you must begin taking required minimum distributions (RMDs) from your tax-advantage retirement accounts. Failure to adequately withdraw funds may result in a 25% penalty on the amount that should have been withdrawn, which may be reduced to 10% if corrected promptly. The deadline to withdraw the minimum amount from tax-deferred accounts is Dec. 31, except for your first RMD, which can be delayed until April 1 of the following year. If you’ve reached the age at which RMDs are required, withdrawing the correct amounts from the right accounts is crucial to avoid penalties. We’re also happy to help you calculate your RMDs to stay compliant with the latest IRS rules!

Date of Birth RMD Age
June 30, 1949, or earlier 70 ½
July 1, 1949 – Dec. 31, 1950 72
Jan. 1, 1951 – Dec. 31, 1959 73
Jan. 1, 1960, or later 75

 

  1. Spend Money Left in Your FSA

Unlike health savings accounts (HSAs), flexible savings accounts (FSAs) do not typically allow you to roll your excess funds into the next year. Some health FSAs permit a grace period or a rollover amount of unused funds into the next plan year. For 2026, there is a 2.5-month grace period, and the rollover maximum is $660. To avoid losing money, review your plan’s rules, your FSA balance, and consider booking general wellness appointments like visits to the eye doctor, annual physicals and dental cleanings.

  1. Talk to Your Financial Professional or Advisor

The job of a financial professional, planner, or advisor is to assist you with your unique circumstances and goals.

At Bulwark Capital Management, we aim to provide guidance that aligns with your vision, helping you navigate the path to a financial future you are comfortable with. Whether you’re looking to check off all these boxes as the year ends or start 2026 with fresh goals, we can help. Contact Us Today!             

 

Sources:

  1. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
  2. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-401k-and-profit-sharing-plan-contribution-limits
  3. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-catch-up-contributions
  4. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds
  5. https://www.goodrx.com/insurance/fsa-hsa/hsa-fsa-roll-over
  6. https://www.timetrex.com/blog/2026-401k-contribution-changes
  7. https://accountinginsights.org/irs-fsa-rollover-what-are-the-current-rules/
  8. https://fsastore.com/articles/learn-fsa-grace-period-rollover.html
  9. https://smartasset.com/retirement/rmd-penalty

 

Disclosures:

This article is for general information purposes only and is not to be relied upon for financial advice. In every case, you should seek the advice of qualified tax, financial and legal professionals to ensure that a life policy is advisable based on your unique circumstances.

Guarantees are provided by insurance companies and are reliant upon the financial strength and claims-paying ability of each individual insurance carrier issuing a life insurance contract.

Life insurance requires medical underwriting; therefore, not everyone will be able to purchase a life insurance policy. Life insurance policies can be complex, and it is recommended that you work with a professional to examine policy terms.

Investment Advisory Services offered through Trek Financial LLC, an investment adviser registered with the Securities Exchange Commission. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed, and past performance is no guarantee of future results. For specific tax advice on any strategy, consult with a qualified tax professional before implementing any strategy discussed herein. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision.

Trek 25-342