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What’s on my mind? You can read about it here on my blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. Perhaps some real life situations that I've encountered and what I've learned from them. Once in a while, I may even throw in a few pictures of something I cooked that I was irrationally proud of, or other little surprises.  Plus I'm always willing to answer your questions and discuss topics that are important to you, so keep checking in. I'm glad to have you reading along.

Monday, July 21, 2025

Markets gained on cooling inflation and strong consumer demand. Core CPI, PPI were soft; retail sales, housing data beat forecasts. Upcoming reports on home sales, PMI, and durable goods will shape the economic outlook and Fed expectations.

Monday, May 19, 2025

Be careful listening to people who push economic ideas without the data to support their conclusions. Often, the best approach is to stay focused and disciplined and tune out the noise during periods of uncertainty.

Monday, March 31, 2025

Markets closed lower last week amid weakening consumer confidence and auto tariffs. Inflation concerns persist, with core PCE exceeding expectations. Mixed economic signals leave investors focused on upcoming labor data and Fed comments.

Wednesday, February 26, 2025

Social media’s “finfluencers” make finance accessible but often lack credentials, leading to misinformation. Many young investors rely on them, risking biased or oversimplified advice. To avoid pitfalls, seek licensed professionals.

Wednesday, January 15, 2025

Markets ended the week lower amid inflation. Labor data signaled a strong economy, reducing hopes for Fed rate cuts. California wildfires posed risks to insurance, municipal bonds. Key economic data ahead: CPI, retail sales, housing starts.

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Monday, January 6, 2025

U.S. equity indices dipped last week, with the S&P 500 down -0.48% and the Nasdaq off -0.51%. Jobless claims hit an 8-month low, and pending home sales rose 2.2% in Nov. 2024. Markets eye key employment data and inflation expectations next.

Tuesday, November 26, 2024

Markets rallied last week with major indices hitting record highs; housing, consumer sentiment gave mixed signals. Spotlight on Comparing 1031 Exchanges and Qualified Opportunity Zones for tax strategies.

Monday, November 18, 2024

Markets fell last week on inflation fears & Fed worry, with retail sales staying strong. The 60/40 portfolio, while tested, underscores diversification's importance. Next week: housing, jobless claims, and consumer sentiment post-election.

Tuesday, November 5, 2024

Labor data is strong despite a payroll miss; GDP cooled and inflation remains high. Mega-cap earnings were mostly positive. Investors favor fixed income and passive funds in Q3 . Markets expect a 25 bps Fed rate cut, aiming for stability.

Thursday, October 24, 2024

Small caps led gains as major indices finished strong, with robust retail sales signaling economic strength. Weather is reshaping homebuying as insurance costs rise. Next week, housing data and PMI reports will gauge economic health.

Friday, October 18, 2024

Factor investing targets specific drivers of returns within asset classes for enhanced diversification and risk management. Top 2024 performers: Momentum, Minimum Volatility, and Quality factors, especially in the U.S. Multi-factor approach

Wednesday, October 9, 2024

U.S. financial markets rose as the S&P 500, Dow, and Nasdaq posted gains. Despite a strong job market, the Fed is cautious on rate cuts. Q3 saw small-cap equities and bonds outperform. Energy lagged while utilities led gains.

Monday, September 30, 2024

This week, financial markets showed resilience, with the S&P 500 up 0.62%. Following a 50 basis point Fed rate cut, optimism grew despite economic uncertainties. Key employment reports ahead may impact future monetary policy in NW Indiana.

Monday, September 23, 2024

The Federal Reserve cut interest rates by 50 basis points, leading to market rallies. The S&P 500 rose 1.36%, with strong retail demand and improving manufacturing conditions. However, U.S. national debt poses risks to economic growth.

Tuesday, September 17, 2024

U.S. markets surged, with the S&P 500 up 4% and Nasdaq 5.9%. Inflation continues cooling, and Fed rate cuts loom. Emerging market debt offers potential as real rates remain high—key data ahead: FOMC, retail sales, and oil demand.

Tuesday, September 10, 2024

U.S. stock markets saw their worst week since March 2023, with the S&P 500 down 4.25%, driven by weak manufacturing data and lower-than-expected job growth. Investors are focused on upcoming inflation data and the Fed's rate decision in Sep

Tuesday, August 27, 2024

Stocks rose as Fed's Powell hinted at rate cuts, boosting optimism. Economic data showed mixed results, with jobless claims stable and new home sales beating expectations. GLP-1 drugs may boost GDP by up to 1.3% due to healthier consumers.

Wednesday, March 24, 2021

Major League Baseball scheduled Opening Day for April 1, but two states have already scored with spring training underway.Every year, spring training divides the 30 MLB teams into two squads. Half of the teams travel to Florida as...

Tuesday, July 28, 2020

Lately, it can feel like each day brings a new headline about fluctuating market behavior. But amid the ups and downs of 2020, there may be some potential good news on the horizon. On July 16, 2020, the interest rate for a 30-year...

Monday, June 8, 2020

Undeniably, spring 2020 has tried the patience of investors.An 11-year bull market ended. Key economic indicators went haywire. Household confidence was shaken. The Standard & Poor’s 500, the benchmark for the broad stock...

Thursday, May 28, 2020

Are you or someone you know currently making federal student loan payments? In light of the COVID-19 pandemic, some welcome relief may be on the way.Thanks to the recent passage of the CARES Act, the U.S. Department of Education will...

Thursday, February 27, 2020

What Should You Do About Coronavirus And Stock Market Volatility? The financial markets took a big dip early this week over fears about the spreading coronavirus, erasing gains from earlier this year. After the Dow lost over 800...

Sunday, August 18, 2019

Small business owners in Illinois with 25+ employees will have to have their own retirement plan in place by November 1, 2019, or enroll in Secure Choice.

Monday, August 5, 2019

So recently, news broke from the FTC that they and Equifax had agreed to an approximately $700 million settlement agreement. This is in response to their big data breach from 2017. (Remember that one? Of course you do. Pretty much, if...

Friday, June 7, 2019

Hey everybody,So I wanted to talk about the upcoming educational event I'm putting on soon. I'm calling it "Brews & (Real Estate) Views" and it's happening Monday, June 17th at 5 pm at Byway Brewing Co. in Hammond. I've been mainly...

Monday, May 13, 2019

Just like in any office, profession, or job site, we financial advisors like to chat amongst ourselves. In fact, there are private channels online where all of us who are affiliated with the same "back office" (in my case Cambridge)...

Wednesday, February 20, 2019

**The below is something I wrote back in September 2018, but with February being "Insure Your Love" month, to promote life insurance awareness, I thought it was a great time to reshare it!** Understandably, no one likes to contemplate...

Friday, February 1, 2019

I started Envoy in 2017, but our story starts much earlier than that. When I came into the financial advice industry, it was obvious that there were two focuses. Number one was to go after only the biggest and richest prospects out...