Casual Friday: Financial Insights Fri, 17 Jul 2026 03:00:01 -0400 http://www.FordFG.com en-us © 2026 Casual Friday: Financial Insights yes 2eee15aa-c34d-5220-905c-3782443ffcc4 Ford Financial Group episodic false Welcome to Ford Financial Group's Casual Friday Podcast, where we review subjects relevant to investing, and topics that impact our clients and their plans for retirement.Investment advice is offered through Ford Financial Group, a Registered Investment Advisor and separate entity from LPL Financial. The Financial Advisors of Ford Financial Group are also Registered Representatives with and securities are offered through LPL Financial, Member SIPC, www.sipc.org.For a list of states in which we are registered to do business, please visit www.FordFG.com.1-856451

]]> Buzzsprout (https://www.buzzsprout.com) Retirement, Investing, Planning, stock, bond, market Ford Financial Group https://storage.buzzsprout.com/r39z3h3kfqi984tpnv8py6i9ugtf?.jpg Casual Friday: Financial Insights http://www.FordFG.com Reviewing the 2026 Mid-Year Outlook from LPL: Policy, Buildouts, & Bottlenecks Reviewing the 2026 Mid-Year Outlook from LPL: Policy, Buildouts, & Bottlenecks Wall Street's biggest research shop just told everyone how the rest of 2026 is going to play out. We're not so sure it's that simple.

This week on Casual Friday: Financial Insights, we break down LPL Research's Midyear Outlook 2026 — the economy, the stock market, the bond market, and AI as the dominant investing theme — and give our honest take on where we agree, where we'd push back, and what it actually means for your portfolio.

🔍 In this episode:

  • The economy's growth story is leaning almost entirely on one leg: AI-driven business investment
  • Is LPL's S&P 500 target (7,650–7,750) too precise for how much is still unresolved?
  • AI's shift from "buildout hype" to "prove the ROI" — and why "it survives but gets more selective" might be the safest, least useful forecast out there

**Connect with Us:**

- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Wall Street's biggest research shop just told everyone how the rest of 2026 is going to play out. We're not so sure it's that simple.

This week on Casual Friday: Financial Insights, we break down LPL Research's Midyear Outlook 2026 — the economy, the stock market, the bond market, and AI as the dominant investing theme — and give our honest take on where we agree, where we'd push back, and what it actually means for your portfolio.

🔍 In this episode:

  • The economy's growth story is leaning almost entirely on one leg: AI-driven business investment
  • Is LPL's S&P 500 target (7,650–7,750) too precise for how much is still unresolved?
  • AI's shift from "buildout hype" to "prove the ROI" — and why "it survives but gets more selective" might be the safest, least useful forecast out there

**Connect with Us:**

- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-19489768 Fri, 17 Jul 2026 00:00:00 -0700 2777 full false 2026 Market Outlook: What Policy-Driven Markets Mean for the Economy, Stocks, and Bonds 2026 Market Outlook: What Policy-Driven Markets Mean for the Economy, Stocks, and Bonds In this episode, Brian and Ryan break down the LPL Research 2026 Outlook and translate Wall Street research into plain-English takeaways for investors.

The big theme for 2026: markets are being driven less by traditional fundamentals and more by policy decisions, momentum, and investor behavior. Brian and Ryan discuss what that means for the economy, stock market expectations, and fixed income—and how investors should think about positioning portfolios heading into the year.

Rather than reacting to headlines, this conversation focuses on staying disciplined, patient, and aligned with long-term goals in what is likely to be a more volatile, policy-sensitive market environment.

The Economy: Slower First, Stronger Later

  • Expectations for a modest economic slowdown early in 2026
  • Why AI investment and fiscal spending may help prevent a recession
  • Cooling labor markets, easing inflation pressures, and what that means for Federal Reserve policy
  • Why rate cuts are expected to be gradual, not aggressive  

Stocks: Bull Market, But With More Bumps

  • Why the bull market may extend into 2026—but with more tempered gains
  • Elevated valuations and the likelihood of increased volatility in a mid-cycle year
  • The role of AI enthusiasm in supporting equity markets
  • Why patience and selective opportunities matter more than chasing headlines
  • LPL Research’s S&P 500 fair value range of 7,300–7,400 for 2026  

Bonds and Cash: Income Over Price Appreciation

  • Why bonds are again offering meaningful income opportunities
  • Expectations for 10-year Treasury yields in the 3.75%–4.25% range
  • Why returns on cash are likely to decline as rates fall
  • The case for high-quality, intermediate-term bonds for long-term investors  

Markets may be noisier and more policy-driven in 2026—but discipline, diversification, and patience remain the most reliable tools investors have. This episode helps cut through the noise and focus on what actually matters.

Check out LPL Research's Outlook: CLICK HERE

**Connect with Us:**


- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> In this episode, Brian and Ryan break down the LPL Research 2026 Outlook and translate Wall Street research into plain-English takeaways for investors.

The big theme for 2026: markets are being driven less by traditional fundamentals and more by policy decisions, momentum, and investor behavior. Brian and Ryan discuss what that means for the economy, stock market expectations, and fixed income—and how investors should think about positioning portfolios heading into the year.

Rather than reacting to headlines, this conversation focuses on staying disciplined, patient, and aligned with long-term goals in what is likely to be a more volatile, policy-sensitive market environment.

The Economy: Slower First, Stronger Later

  • Expectations for a modest economic slowdown early in 2026
  • Why AI investment and fiscal spending may help prevent a recession
  • Cooling labor markets, easing inflation pressures, and what that means for Federal Reserve policy
  • Why rate cuts are expected to be gradual, not aggressive  

Stocks: Bull Market, But With More Bumps

  • Why the bull market may extend into 2026—but with more tempered gains
  • Elevated valuations and the likelihood of increased volatility in a mid-cycle year
  • The role of AI enthusiasm in supporting equity markets
  • Why patience and selective opportunities matter more than chasing headlines
  • LPL Research’s S&P 500 fair value range of 7,300–7,400 for 2026  

Bonds and Cash: Income Over Price Appreciation

  • Why bonds are again offering meaningful income opportunities
  • Expectations for 10-year Treasury yields in the 3.75%–4.25% range
  • Why returns on cash are likely to decline as rates fall
  • The case for high-quality, intermediate-term bonds for long-term investors  

Markets may be noisier and more policy-driven in 2026—but discipline, diversification, and patience remain the most reliable tools investors have. This episode helps cut through the noise and focus on what actually matters.

Check out LPL Research's Outlook: CLICK HERE

**Connect with Us:**


- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-18411979 Fri, 26 Dec 2025 00:00:00 -0800 2213 full false Why Retirees Underspend (and What Advisors Can Do About It) Why Retirees Underspend (and What Advisors Can Do About It) Most retirees worry about outliving their money — but the data shows they often do the opposite: they underspend. In fact, many leave retirement with more assets than they started with, despite having saved for decades to fund their lifestyle. Why is this happening, and what can financial advisors and plan sponsors do about it?

In this episode, Brian Ullmann and Ryan Louie sit down with Ronnie Cox, Investment Director at Human Interest, to unpack the psychology behind retirement spending, the so-called “retirement consumption puzzle,” and the tools available to help retirees spend with confidence.

Ronnie brings his perspective from years of experience in retirement plan design and his recent byline in InvestmentNews, where he explored why retirees underspend and what advisors can do to help. He also highlights findings from recent research on retiree behavior and decumulation strategies.

What You’ll Learn in This Episode

  • Why retirees spend 80% of their lifetime income but only about half of their accumulated savings.
  • The psychological forces at work, including loss aversion, complexity aversion, and mental accounting.
  • How Required Minimum Distributions (RMDs) nudge retirees into treating savings as income — and why this matters for future policy and plan design.
  • The role of decumulation products like annuities, managed payout funds, and in-plan income solutions.
  • How SECURE Act 2.0 and innovations in plan design could reshape the future of retirement income.

About Our Guest

Ronnie Cox is the Investment Director at Human Interest, a fast-growing 401(k) provider focused on expanding access to retirement savings plans. Ronnie has been at the forefront of researching participant behavior, retirement readiness, and the psychological roadblocks that prevent retirees from spending confidently in retirement.

Links & Resources

**Connect with Us:**
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Most retirees worry about outliving their money — but the data shows they often do the opposite: they underspend. In fact, many leave retirement with more assets than they started with, despite having saved for decades to fund their lifestyle. Why is this happening, and what can financial advisors and plan sponsors do about it?

In this episode, Brian Ullmann and Ryan Louie sit down with Ronnie Cox, Investment Director at Human Interest, to unpack the psychology behind retirement spending, the so-called “retirement consumption puzzle,” and the tools available to help retirees spend with confidence.

Ronnie brings his perspective from years of experience in retirement plan design and his recent byline in InvestmentNews, where he explored why retirees underspend and what advisors can do to help. He also highlights findings from recent research on retiree behavior and decumulation strategies.

What You’ll Learn in This Episode

  • Why retirees spend 80% of their lifetime income but only about half of their accumulated savings.
  • The psychological forces at work, including loss aversion, complexity aversion, and mental accounting.
  • How Required Minimum Distributions (RMDs) nudge retirees into treating savings as income — and why this matters for future policy and plan design.
  • The role of decumulation products like annuities, managed payout funds, and in-plan income solutions.
  • How SECURE Act 2.0 and innovations in plan design could reshape the future of retirement income.

About Our Guest

Ronnie Cox is the Investment Director at Human Interest, a fast-growing 401(k) provider focused on expanding access to retirement savings plans. Ronnie has been at the forefront of researching participant behavior, retirement readiness, and the psychological roadblocks that prevent retirees from spending confidently in retirement.

Links & Resources

**Connect with Us:**
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-17952234 Fri, 03 Oct 2025 10:00:00 -0700 1804 full false Mid-Year Outlook: Pragmatic Optimism, Measured Expectations Mid-Year Outlook: Pragmatic Optimism, Measured Expectations **Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> **Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-17486792 Fri, 11 Jul 2025 00:00:00 -0700 3472 full false What's going on with mortgage rates? (Featuring Joe Perry) What's going on with mortgage rates? (Featuring Joe Perry) **Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.


Send in your questions!

]]> **Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.


Send in your questions!

]]> Ford Financial Group Buzzsprout-17328440 Fri, 13 Jun 2025 00:00:00 -0700 2859 full false Pullbacks Amid Growing Recession Fears Pullbacks Amid Growing Recession Fears **Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> **Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Buzzsprout-16809893 Mon, 17 Mar 2025 15:00:00 -0700 2194 full false Breaking Down Outlook 2025 Breaking Down Outlook 2025 **Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> **Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-16310468 Fri, 20 Dec 2024 00:00:00 -0800 3164 full false 4 Compelling Reasons Your Business Needs a 401(k) in 2025 – Insights with Marc Fowler 4 Compelling Reasons Your Business Needs a 401(k) in 2025 – Insights with Marc Fowler This week Brian and Ryan sit down with Marc Fowler, 401(k) expert and representative of Human Interest, to discuss why 2025 is a pivotal year for small businesses to start offering a 401(k) plan. If you’re a business owner who hasn’t yet taken the plunge, this episode is packed with actionable insights on why now is the time.

Key Takeaways

  1. Tax Incentives Are Better Than Ever
    • Marc explains how recent legislation, such as the SECURE Act 2.0, offers significant tax credits for small businesses starting a retirement plan. These credits can cover a substantial portion of plan setup costs.
  2. Boost Employee Retention
    • A robust benefits package, including a 401(k), can help attract and retain top talent in an increasingly competitive job market. Marc shares data on how retirement benefits impact employee satisfaction.
  3. Retirement Savings for Business Owners
    • A 401(k) doesn’t just benefit employees—it’s also a powerful tool for business owners to save for their own retirement in a tax-advantaged way.
  4. Plan Costs Are Lower Than You Think
    • Thanks to advancements in technology and increased competition, the cost of offering a 401(k) plan has decreased dramatically over the last three years. Marc highlights how affordable it has become for small businesses.

Featured Articles and Resources

Connect With Us

- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Brian and Ryan sit down with Marc Fowler, 401(k) expert and representative of Human Interest, to discuss why 2025 is a pivotal year for small businesses to start offering a 401(k) plan. If you’re a business owner who hasn’t yet taken the plunge, this episode is packed with actionable insights on why now is the time.

Key Takeaways

  1. Tax Incentives Are Better Than Ever
    • Marc explains how recent legislation, such as the SECURE Act 2.0, offers significant tax credits for small businesses starting a retirement plan. These credits can cover a substantial portion of plan setup costs.
  2. Boost Employee Retention
    • A robust benefits package, including a 401(k), can help attract and retain top talent in an increasingly competitive job market. Marc shares data on how retirement benefits impact employee satisfaction.
  3. Retirement Savings for Business Owners
    • A 401(k) doesn’t just benefit employees—it’s also a powerful tool for business owners to save for their own retirement in a tax-advantaged way.
  4. Plan Costs Are Lower Than You Think
    • Thanks to advancements in technology and increased competition, the cost of offering a 401(k) plan has decreased dramatically over the last three years. Marc highlights how affordable it has become for small businesses.

Featured Articles and Resources

Connect With Us

- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-16230168 Fri, 06 Dec 2024 00:00:00 -0800 3563 full false The $36 Trillion Question: National Debt and Its Impact on Investors The $36 Trillion Question: National Debt and Its Impact on Investors In this episode, Ryan and Brian explore the U.S. national debt as it approaches a staggering $36 trillion—a figure that has nearly quadrupled since before the 2008 global financial crisis. With the federal debt growing every year since 2001, it’s a topic that continues to spark heated debates over budget deficits, the debt ceiling, government shutdowns, and stimulus spending.

Now that the election is behind us, the focus shifts to the incoming administration’s policy proposals and cabinet nominations. But what does the growing national debt mean for the economy, markets, and your investment strategy?

We break down:

  • The history and rapid growth of the national debt.
  • The economic and market implications of government spending.
  • How investors can stay focused on long-term drivers amid fiscal uncertainty.

Tune in to gain clarity on this complex topic and learn how to navigate the challenges and opportunities ahead.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> In this episode, Ryan and Brian explore the U.S. national debt as it approaches a staggering $36 trillion—a figure that has nearly quadrupled since before the 2008 global financial crisis. With the federal debt growing every year since 2001, it’s a topic that continues to spark heated debates over budget deficits, the debt ceiling, government shutdowns, and stimulus spending.

Now that the election is behind us, the focus shifts to the incoming administration’s policy proposals and cabinet nominations. But what does the growing national debt mean for the economy, markets, and your investment strategy?

We break down:

  • The history and rapid growth of the national debt.
  • The economic and market implications of government spending.
  • How investors can stay focused on long-term drivers amid fiscal uncertainty.

Tune in to gain clarity on this complex topic and learn how to navigate the challenges and opportunities ahead.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-16155880 Fri, 22 Nov 2024 09:00:00 -0800 2058 full false Facing Retirement Income Challenges in a High-Cost World Facing Retirement Income Challenges in a High-Cost World In this episode, we delve into the latest insights on retirement planning amidst rising living costs and inflation. Here’s what we cover:

1. Current Inflation and Social Security Adjustments:
   - 2025 Cost-of-Living Adjustment (COLA): A 2.5% increase for Social Security reflects slowing inflation, down from higher increases in recent years.
   - Impact on Retirees: While the COLA helps, it's still challenging to keep up with the high costs of essentials, particularly healthcare and housing.

2. Withdrawal Strategies and the 4% Rule:
   - Evaluating the 4% Rule: We examine the historical basis of this popular retirement withdrawal rate, noting that only once in the 1960s did it dip to 4% for balanced portfolios.
   - Market Conditions’ Influence: Market variability underscores the importance of a flexible withdrawal strategy, as safe withdrawal rates can fluctuate with economic cycles.

3. Increasing Life Expectancies and Longevity Risk:
   - Life Expectancy Trends: Today’s retirees may live well into their 90s, leading to what’s known as "longevity risk," where the risk of outliving one’s savings intensifies.
   - Balancing Growth and Income: Strategies for ensuring portfolios generate growth and income to maintain quality of life over longer retirement horizons.

4. Key Takeaways:
   - Inflation remains a challenge despite recent deceleration.
   - Retirees must manage longevity risk through growth-oriented investments alongside traditional income-focused strategies.
   - Adapting withdrawal rates and building resilient portfolios can help support a fulfilling, secure retirement.

Let’s break down these concepts with expert insights and actionable steps for today’s retirees and those preparing for their retirement journey. Tune in to navigate the financial landscape with confidence!

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> In this episode, we delve into the latest insights on retirement planning amidst rising living costs and inflation. Here’s what we cover:

1. Current Inflation and Social Security Adjustments:
   - 2025 Cost-of-Living Adjustment (COLA): A 2.5% increase for Social Security reflects slowing inflation, down from higher increases in recent years.
   - Impact on Retirees: While the COLA helps, it's still challenging to keep up with the high costs of essentials, particularly healthcare and housing.

2. Withdrawal Strategies and the 4% Rule:
   - Evaluating the 4% Rule: We examine the historical basis of this popular retirement withdrawal rate, noting that only once in the 1960s did it dip to 4% for balanced portfolios.
   - Market Conditions’ Influence: Market variability underscores the importance of a flexible withdrawal strategy, as safe withdrawal rates can fluctuate with economic cycles.

3. Increasing Life Expectancies and Longevity Risk:
   - Life Expectancy Trends: Today’s retirees may live well into their 90s, leading to what’s known as "longevity risk," where the risk of outliving one’s savings intensifies.
   - Balancing Growth and Income: Strategies for ensuring portfolios generate growth and income to maintain quality of life over longer retirement horizons.

4. Key Takeaways:
   - Inflation remains a challenge despite recent deceleration.
   - Retirees must manage longevity risk through growth-oriented investments alongside traditional income-focused strategies.
   - Adapting withdrawal rates and building resilient portfolios can help support a fulfilling, secure retirement.

Let’s break down these concepts with expert insights and actionable steps for today’s retirees and those preparing for their retirement journey. Tune in to navigate the financial landscape with confidence!

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-16022401 Fri, 01 Nov 2024 00:00:00 -0700 2550 full false Navigating Interest Rate Shifts: Bonds, Money Market Funds, & Portfolio Strategies Navigating Interest Rate Shifts: Bonds, Money Market Funds, & Portfolio Strategies In this episode, we explore the effects of rising and falling interest rates on bonds and money market funds. We discuss:

  • Bonds as a Hedge: Are government bonds have become a less reliable hedge in volatile markets
  • Money Market Funds: The behavior of money market fund assets following the first Fed rate cut and historical trends.
  • Equities Outlook: Are U.S. equities and sectors poised for growth as inflation cools?

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.


Send in your questions!

]]> In this episode, we explore the effects of rising and falling interest rates on bonds and money market funds. We discuss:

  • Bonds as a Hedge: Are government bonds have become a less reliable hedge in volatile markets
  • Money Market Funds: The behavior of money market fund assets following the first Fed rate cut and historical trends.
  • Equities Outlook: Are U.S. equities and sectors poised for growth as inflation cools?

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.


Send in your questions!

]]> Ford Financial Group Buzzsprout-15950802 Fri, 18 Oct 2024 14:00:00 -0700 1662 full false Quick Reaction to Today's Interest Rate Cut by the Federal Reserve Quick Reaction to Today's Interest Rate Cut by the Federal Reserve Today Ryan, Brian, and Eric all jumped on the podcast to discuss today's news that the Federal Reserve is cutting the Fed Fund rates by 0.50%, the first cut by the Fed in 4 years and the first of what is likely many to come.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

Send in your questions!

]]> Today Ryan, Brian, and Eric all jumped on the podcast to discuss today's news that the Federal Reserve is cutting the Fed Fund rates by 0.50%, the first cut by the Fed in 4 years and the first of what is likely many to come.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

Send in your questions!

]]> Ford Financial Group Buzzsprout-15776905 Wed, 18 Sep 2024 14:00:00 -0700 1313 full false Navigating 401(k) Plans and Department of Labor Audits - Featuring Expert Marc Fowler Navigating 401(k) Plans and Department of Labor Audits - Featuring Expert Marc Fowler In this episode, we dive into the complexities of 401(k) plans and the audits conducted by the Department of Labor (DOL). The Employee Benefits Security Administration (EBSA) is the group responsible for investigating and auditing 401(k) plans, which can be a significant challenge for plan sponsors.

Key insights discussed:

  • EBSA’s investigations recovered an average of $573.5 million annually from FY2019-FY2023, with more than 65% of cases resulting in corrective action.
  • This marks a significant increase from prior years, reflecting the growing impact of these investigations.

Join Brian, Ryan, and expert Marc Fowler from 401k provider Human Interest as they explore:

  1. What triggers a DOL audit?
  2. What happens during a DOL audit?
  3. How can employers or plan sponsors prepare for these audits?
  4. Who can assist with navigating a DOL audit?

Tune in for expert advice on ensuring your 401(k) plan stays compliant and audit-ready.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> In this episode, we dive into the complexities of 401(k) plans and the audits conducted by the Department of Labor (DOL). The Employee Benefits Security Administration (EBSA) is the group responsible for investigating and auditing 401(k) plans, which can be a significant challenge for plan sponsors.

Key insights discussed:

  • EBSA’s investigations recovered an average of $573.5 million annually from FY2019-FY2023, with more than 65% of cases resulting in corrective action.
  • This marks a significant increase from prior years, reflecting the growing impact of these investigations.

Join Brian, Ryan, and expert Marc Fowler from 401k provider Human Interest as they explore:

  1. What triggers a DOL audit?
  2. What happens during a DOL audit?
  3. How can employers or plan sponsors prepare for these audits?
  4. Who can assist with navigating a DOL audit?

Tune in for expert advice on ensuring your 401(k) plan stays compliant and audit-ready.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-15731252 Fri, 13 Sep 2024 00:00:00 -0700 2754 full false Perspective on the Fed and Market Sell-Off Perspective on the Fed and Market Sell-Off To paraphrase Ernest Hemingway, changes in the stock market often happen "gradually, then suddenly." This week Brian and Ryan discuss how, over the past month, there has been a rotation from large-cap technology stocks to small caps and other sectors. However, following the latest jobs report, global stocks experienced a sharp pullback due to concerns about the timing of Fed rate cuts, a weakening labor market, and disappointing tech earnings. Financial markets are on edge as investors adjust to this shifting economic landscape.

The Nasdaq is now in correction territory, marked by a 10% decline from recent highs. The S&P 500 has dropped 5.7% from its peak three weeks ago, while the Dow has been more stable with a 3.5% decline. The VIX, often referred to as the market’s "fear gauge," has surged to its highest level since early 2023. Additionally, the 10-year Treasury yield has fallen below 3.8%, a significant drop from 4.7% just three months ago.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> To paraphrase Ernest Hemingway, changes in the stock market often happen "gradually, then suddenly." This week Brian and Ryan discuss how, over the past month, there has been a rotation from large-cap technology stocks to small caps and other sectors. However, following the latest jobs report, global stocks experienced a sharp pullback due to concerns about the timing of Fed rate cuts, a weakening labor market, and disappointing tech earnings. Financial markets are on edge as investors adjust to this shifting economic landscape.

The Nasdaq is now in correction territory, marked by a 10% decline from recent highs. The S&P 500 has dropped 5.7% from its peak three weeks ago, while the Dow has been more stable with a 3.5% decline. The VIX, often referred to as the market’s "fear gauge," has surged to its highest level since early 2023. Additionally, the 10-year Treasury yield has fallen below 3.8%, a significant drop from 4.7% just three months ago.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-15632068 Fri, 23 Aug 2024 15:00:00 -0700 2330 full false Mid-Year Outlook: A Different Second Half Mid-Year Outlook: A Different Second Half This week Brian and Ryan took to the second half of 2024 by reviewing some of the key highlights from LPL Research's recently unveiled Midyear Outlook 2024: Still Waiting for the Turn, the semi-annual report that recaps where markets and the economy have been over the first half of 2024. 

As we reach the halfway point of 2024, a sense of persistence defines the economic and market landscape. Trends from late 2023 have continued, with surprisingly resilient economic growth mixed with stubborn but decelerating inflation. The stock market thrived in this better-than-expected environment, having regained all the lost ground from 2022, while the bond market continues to grapple with policy uncertainty and remains largely range-bound.

While it’s tempting to forecast a continuation of these trends, the analysis suggests an impending shift. The economy looks poised to cool down in the second half, while volatility is likely to rise – changes that will impact interest rates and markets.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Brian and Ryan took to the second half of 2024 by reviewing some of the key highlights from LPL Research's recently unveiled Midyear Outlook 2024: Still Waiting for the Turn, the semi-annual report that recaps where markets and the economy have been over the first half of 2024. 

As we reach the halfway point of 2024, a sense of persistence defines the economic and market landscape. Trends from late 2023 have continued, with surprisingly resilient economic growth mixed with stubborn but decelerating inflation. The stock market thrived in this better-than-expected environment, having regained all the lost ground from 2022, while the bond market continues to grapple with policy uncertainty and remains largely range-bound.

While it’s tempting to forecast a continuation of these trends, the analysis suggests an impending shift. The economy looks poised to cool down in the second half, while volatility is likely to rise – changes that will impact interest rates and markets.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-15442687 Fri, 19 Jul 2024 15:00:00 -0700 2984 full false The Fed's Projections & Bond Market Implications The Fed's Projections & Bond Market Implications Over the past few years, the path of interest rates has been highly unpredictable due to factors like inflation, economic growth, and the Federal Reserve's policies. The 10-year U.S. Treasury yield exemplifies this volatility, having surged from 3.8% at the end of last year to a peak of 4.7% in April, before recently settling around 4.2%. These higher rates have confounded the expectations of investors and economists, creating a challenging environment for the bond market, as rising rates lead to falling bond prices.

However, with inflation starting to show signs of improvement, many now anticipate that the Fed might begin cutting rates by the end of the year. In this episode, Brian and Ryan explore what perspectives diversified investors need to maintain balance and stability in the months ahead. Join us as we delve into the implications of these economic trends and provide insights to help you navigate this complex landscape.


**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Over the past few years, the path of interest rates has been highly unpredictable due to factors like inflation, economic growth, and the Federal Reserve's policies. The 10-year U.S. Treasury yield exemplifies this volatility, having surged from 3.8% at the end of last year to a peak of 4.7% in April, before recently settling around 4.2%. These higher rates have confounded the expectations of investors and economists, creating a challenging environment for the bond market, as rising rates lead to falling bond prices.

However, with inflation starting to show signs of improvement, many now anticipate that the Fed might begin cutting rates by the end of the year. In this episode, Brian and Ryan explore what perspectives diversified investors need to maintain balance and stability in the months ahead. Join us as we delve into the implications of these economic trends and provide insights to help you navigate this complex landscape.


**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Buzzsprout-15329233 Fri, 28 Jun 2024 10:00:00 -0700 2065 full false Unmasking Online Scams: Protecting Yourself in the Digital Age Unmasking Online Scams: Protecting Yourself in the Digital Age In this eye-opening episode of the Casual Friday: Financial Insights podcast, hosts Brian and Ryan delve into the ever-evolving world of online scams, fraud, and identity theft. As the digital landscape expands, so do the tactics of cybercriminals. Brian and Ryan shed light on some of the most common and insidious scams circulating today, from phishing emails and fake tech support calls to social media scams and fraudulent websites.

With their extensive knowledge and experience, the hosts offer practical advice and strategies to help you safeguard your personal information and financial well-being. Learn how to spot red flags, secure your online accounts, and protect yourself from becoming a victim of identity theft.

Tune in to equip yourself with the knowledge and tools you need to navigate the digital world safely. Don't miss this essential episode that could save you from falling prey to online scams.

---

**Topics Covered:**
- Common online scams and how they operate
- Real-life examples of fraud and identity theft
- Tips for protecting your personal and financial information
- Steps to take if you suspect you’ve been scammed
- Resources for further information and assistance

**Resources Mentioned:**
- FTC Consumer Alert Website on Scams
- IdentityTheft.gov
- FBI Scams and Safety Website

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> In this eye-opening episode of the Casual Friday: Financial Insights podcast, hosts Brian and Ryan delve into the ever-evolving world of online scams, fraud, and identity theft. As the digital landscape expands, so do the tactics of cybercriminals. Brian and Ryan shed light on some of the most common and insidious scams circulating today, from phishing emails and fake tech support calls to social media scams and fraudulent websites.

With their extensive knowledge and experience, the hosts offer practical advice and strategies to help you safeguard your personal information and financial well-being. Learn how to spot red flags, secure your online accounts, and protect yourself from becoming a victim of identity theft.

Tune in to equip yourself with the knowledge and tools you need to navigate the digital world safely. Don't miss this essential episode that could save you from falling prey to online scams.

---

**Topics Covered:**
- Common online scams and how they operate
- Real-life examples of fraud and identity theft
- Tips for protecting your personal and financial information
- Steps to take if you suspect you’ve been scammed
- Resources for further information and assistance

**Resources Mentioned:**
- FTC Consumer Alert Website on Scams
- IdentityTheft.gov
- FBI Scams and Safety Website

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions:  info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Buzzsprout-15227284 Mon, 10 Jun 2024 13:00:00 -0700 2400 full false Real Estate Q&A with Expert Brian Domingos Real Estate Q&A with Expert Brian Domingos This week Brian is joined by our special guest Brian Domingos, owner of Premier Valley Realty, a full-service real estate brokerage firm based in Fresno, California. 

Brian and his brokerage assists clients with buying and selling residential properties in the Central Valley, Central Coast, and Sierra Nevada areas. In addition to real estate sales, they offer property management services through their subsidiary Cypress Property Management.

Questions for Brian? Visit his website at https://premiervalleyrealty.com

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Brian is joined by our special guest Brian Domingos, owner of Premier Valley Realty, a full-service real estate brokerage firm based in Fresno, California. 

Brian and his brokerage assists clients with buying and selling residential properties in the Central Valley, Central Coast, and Sierra Nevada areas. In addition to real estate sales, they offer property management services through their subsidiary Cypress Property Management.

Questions for Brian? Visit his website at https://premiervalleyrealty.com

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Buzzsprout-15167136 Fri, 31 May 2024 00:00:00 -0700 2057 full false Dow 40,000 Dow 40,000 This week Brian and Ryan talk about how the Dow Jones Industrial Average reached 40,000 for the first time recently as markets continue to rebound from a 5% decline earlier this year. While this has felt like a difficult year for many investors due to inflation, high interest rates, and growth concerns, the reality is that the broad market has achieved 23 new all-time highs. Other asset classes, including international stocks and commodities, have surged alongside the U.S. stock market as interest rate expectations have fallen.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Brian and Ryan talk about how the Dow Jones Industrial Average reached 40,000 for the first time recently as markets continue to rebound from a 5% decline earlier this year. While this has felt like a difficult year for many investors due to inflation, high interest rates, and growth concerns, the reality is that the broad market has achieved 23 new all-time highs. Other asset classes, including international stocks and commodities, have surged alongside the U.S. stock market as interest rate expectations have fallen.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-15127365 Fri, 24 May 2024 00:00:00 -0700 1945 full false Cash Isn't King Cash Isn't King In uncertain market conditions, cash holdings can offer a sense of security for investors. The past few years have seen significant market volatility due to various factors such as the pandemic, geopolitical tensions, monetary policy changes, inflation concerns, and technological disruptions. Amidst this turmoil, the allure of cash has grown, especially as interest rates on cash instruments have reached multi-decade highs, presenting seemingly attractive risk-free returns.

However, it is crucial to evaluate the role of cash within an investor's overall portfolio strategy. While cash provides liquidity and preserves capital in the short term, it may also hinder long-term growth potential due to its limited returns relative to other asset classes. Therefore, investors should strike a balanced approach, considering their risk tolerance, investment horizon, and financial objectives.

A well-diversified portfolio, comprising a mix of asset classes such as equities, fixed-income securities, and alternative investments, can help mitigate risks and potentially generate better returns over the long run. Cash holdings should be strategically allocated based on individual circumstances, such as emergency funds, short-term liquidity needs, or as a hedge against market downturns.

Ultimately, the role of cash in an investor's portfolio should be carefully evaluated, taking into account market conditions, personal risk profile, and investment goals. A thoughtful approach to portfolio construction, with periodic rebalancing, can help investors navigate uncertain times while positioning themselves for long-term success.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> In uncertain market conditions, cash holdings can offer a sense of security for investors. The past few years have seen significant market volatility due to various factors such as the pandemic, geopolitical tensions, monetary policy changes, inflation concerns, and technological disruptions. Amidst this turmoil, the allure of cash has grown, especially as interest rates on cash instruments have reached multi-decade highs, presenting seemingly attractive risk-free returns.

However, it is crucial to evaluate the role of cash within an investor's overall portfolio strategy. While cash provides liquidity and preserves capital in the short term, it may also hinder long-term growth potential due to its limited returns relative to other asset classes. Therefore, investors should strike a balanced approach, considering their risk tolerance, investment horizon, and financial objectives.

A well-diversified portfolio, comprising a mix of asset classes such as equities, fixed-income securities, and alternative investments, can help mitigate risks and potentially generate better returns over the long run. Cash holdings should be strategically allocated based on individual circumstances, such as emergency funds, short-term liquidity needs, or as a hedge against market downturns.

Ultimately, the role of cash in an investor's portfolio should be carefully evaluated, taking into account market conditions, personal risk profile, and investment goals. A thoughtful approach to portfolio construction, with periodic rebalancing, can help investors navigate uncertain times while positioning themselves for long-term success.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-15042764 Fri, 10 May 2024 00:00:00 -0700 2027 full false Geopolitics and Pullbacks Geopolitics and Pullbacks In this episode of Casual Friday: Financial Insights, Brian and Ryan delve into the recent pullback in the markets, which have dipped at the onset of the second quarter. After kicking off the year with strong gains, the landscape has shifted due to a combination of geopolitical tensions in the Middle East, rising inflation concerns, and uncertainties around corporate earnings.

Join us as we discuss strategies for understanding and managing through this period of heightened market volatility. What steps can investors take to maintain perspective and make informed decisions? Tune in to gain valuable insights into navigating these challenging market conditions.

Send in your questions!

]]> In this episode of Casual Friday: Financial Insights, Brian and Ryan delve into the recent pullback in the markets, which have dipped at the onset of the second quarter. After kicking off the year with strong gains, the landscape has shifted due to a combination of geopolitical tensions in the Middle East, rising inflation concerns, and uncertainties around corporate earnings.

Join us as we discuss strategies for understanding and managing through this period of heightened market volatility. What steps can investors take to maintain perspective and make informed decisions? Tune in to gain valuable insights into navigating these challenging market conditions.

Send in your questions!

]]> Ford Financial Group Buzzsprout-14937216 Fri, 26 Apr 2024 00:00:00 -0700 1836 full false Tax Time: How High are Tax Brackets? Tax Time: How High are Tax Brackets? This week Ryan and Brian come up for air from a busy tax season to examine how current tax brackets, both personal and corporate, compare to where brackets have been historically. They also touch on the possibility of brackets changing in the future, especially in light of the Federal debt to GDP ratio (spoiler: it's high).

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Ryan and Brian come up for air from a busy tax season to examine how current tax brackets, both personal and corporate, compare to where brackets have been historically. They also touch on the possibility of brackets changing in the future, especially in light of the Federal debt to GDP ratio (spoiler: it's high).

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-14866249 Fri, 12 Apr 2024 00:00:00 -0700 1760 full false Time to Talk Politics: Market Performance in a Presidential Election Year Time to Talk Politics: Market Performance in a Presidential Election Year As we delve into the intensifying presidential election season, every day brings us closer to November 5, Election Day. We're witnessing what appears to be an impending rematch between Joe Biden and Donald Trump. Given the months ahead until November, it's understandable for investors to feel uneasy about the potential effects of political events on the stock market and the broader economy.

The current political atmosphere is notably charged, influenced not only by the upcoming elections but also by contentious debates in Washington over issues like the budget, immigration, and foreign policy. This week, Brian and Ryan, we explore how investors can maintain equilibrium amidst the turbulence of this year's presidential election.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> As we delve into the intensifying presidential election season, every day brings us closer to November 5, Election Day. We're witnessing what appears to be an impending rematch between Joe Biden and Donald Trump. Given the months ahead until November, it's understandable for investors to feel uneasy about the potential effects of political events on the stock market and the broader economy.

The current political atmosphere is notably charged, influenced not only by the upcoming elections but also by contentious debates in Washington over issues like the budget, immigration, and foreign policy. This week, Brian and Ryan, we explore how investors can maintain equilibrium amidst the turbulence of this year's presidential election.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-14699742 Fri, 15 Mar 2024 20:00:00 -0700 1530 full false Money Market Funds After Rates Drop Money Market Funds After Rates Drop This week Eric and Brian review how much "dry powder" is in money market funds and how these cash equivalent investments have swollen to record levels as rates have risen. However, event the Federal Reserve has said rates are coming down, so what are investors options if those sweet interest rates on money market funds really start to fall?

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Eric and Brian review how much "dry powder" is in money market funds and how these cash equivalent investments have swollen to record levels as rates have risen. However, event the Federal Reserve has said rates are coming down, so what are investors options if those sweet interest rates on money market funds really start to fall?

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Buzzsprout-14498913 Fri, 16 Feb 2024 00:00:00 -0800 1428 full false Jobs, Jobs, Jobs Jobs, Jobs, Jobs This week Ryan and Brian discuss how all of the jobs lost during the pandemic have been recovered (and then some), and how business are still having trouble hiring, despite the large number of unemployed workers.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Ryan and Brian discuss how all of the jobs lost during the pandemic have been recovered (and then some), and how business are still having trouble hiring, despite the large number of unemployed workers.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Buzzsprout-14409388 Fri, 02 Feb 2024 00:00:00 -0800 1956 full false Falling Yields and Rising Markets Falling Yields and Rising Markets This week Ryan and Brian review what could be ahead this year as the Fed begins to cut interest rates, and discuss how that impacts both equities and bonds in portfolios.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Ryan and Brian review what could be ahead this year as the Fed begins to cut interest rates, and discuss how that impacts both equities and bonds in portfolios.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-14385368 Fri, 26 Jan 2024 13:00:00 -0800 2351 full false New Year for Markets, S&P 500 Hangover? New Year for Markets, S&P 500 Hangover? This week Ryan and Brian review LPL Research's 2024 outlook for stocks, bonds and the economy, and give there take on what could be ahead.

LPL Research 2024 Outlook: https://bit.ly/3RKkZXG

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Click here for Ryan's chart: https://twitter.com/biancoresearch/st...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Ryan and Brian review LPL Research's 2024 outlook for stocks, bonds and the economy, and give there take on what could be ahead.

LPL Research 2024 Outlook: https://bit.ly/3RKkZXG

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Click here for Ryan's chart: https://twitter.com/biancoresearch/st...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Buzzsprout-14249370 Fri, 05 Jan 2024 07:00:00 -0800 2712 full false Ripping Into Year-End Ripping Into Year-End This week Ryan and Brian talk about how both stocks and bonds have been accelerating into the end of the year, though there may be reason to temper your optimism for 2024.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Click here for Ryan's chart: https://twitter.com/biancoresearch/st...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Ryan and Brian talk about how both stocks and bonds have been accelerating into the end of the year, though there may be reason to temper your optimism for 2024.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Click here for Ryan's chart: https://twitter.com/biancoresearch/st...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-14177353 Fri, 22 Dec 2023 00:00:00 -0800 2171 full false Doing Well by Doing Good: Exploring the Tax Benefits of Gifting from Your IRA Doing Well by Doing Good: Exploring the Tax Benefits of Gifting from Your IRA In this episode, we dive deep into the world of Qualified Charitable Distributions (QCDs). Join us as we explore how QCDs can be a tax-savvy way to support your favorite charitable causes while benefiting your retirement savings. Brian shares valuable insights and practical tips to help you navigate this powerful financial strategy.

A qualified charitable distribution (QCD) is a tax-free donation from an IRA to a qualified charity. To make a QCD, you must be at least 70.5 years old. 

You can use QCDs to manage required minimum distributions from an IRA. The amount of the distribution is based on your age and the account's balance. For example, couples who file taxes jointly can make up to $100,000 in QCDs each year, for a total of $200,000.


Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> In this episode, we dive deep into the world of Qualified Charitable Distributions (QCDs). Join us as we explore how QCDs can be a tax-savvy way to support your favorite charitable causes while benefiting your retirement savings. Brian shares valuable insights and practical tips to help you navigate this powerful financial strategy.

A qualified charitable distribution (QCD) is a tax-free donation from an IRA to a qualified charity. To make a QCD, you must be at least 70.5 years old. 

You can use QCDs to manage required minimum distributions from an IRA. The amount of the distribution is based on your age and the account's balance. For example, couples who file taxes jointly can make up to $100,000 in QCDs each year, for a total of $200,000.


Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-14066820 Thu, 30 Nov 2023 14:00:00 -0800 943 full false Mortgage and Real Estate Update with Joe Perry, Mortgage Ninja Mortgage and Real Estate Update with Joe Perry, Mortgage Ninja Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The report used in this episode was prepared by Clearnomics, Inc, Copyright (c) 2023 . All rights reserved. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or correctness of the information and opinions contained herein. The views and the other information provided are subject to change without notice. All reports posted on or via www.clearnomics.com or any affiliated websites, applications, or services are issued without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Predictions, forecasts, and estimates for any and all markets should not be construed as recommendations to buy, sell, or hold any security--including mutual funds, futures contracts, and exchange traded funds, or any similar instruments. The text, images, and other materials contained or displayed in this report are proprietary to Clearnomics, Inc. and constitute valuable intellectual property. All unauthorized reproduction or other use of material from Clearnomics, Inc. shall be deemed willful infringement(s) of this copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy. Clearnomics, Inc. expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised. Clearnomics, Inc. reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

Tracking 

Send in your questions!

]]> Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The report used in this episode was prepared by Clearnomics, Inc, Copyright (c) 2023 . All rights reserved. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or correctness of the information and opinions contained herein. The views and the other information provided are subject to change without notice. All reports posted on or via www.clearnomics.com or any affiliated websites, applications, or services are issued without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Predictions, forecasts, and estimates for any and all markets should not be construed as recommendations to buy, sell, or hold any security--including mutual funds, futures contracts, and exchange traded funds, or any similar instruments. The text, images, and other materials contained or displayed in this report are proprietary to Clearnomics, Inc. and constitute valuable intellectual property. All unauthorized reproduction or other use of material from Clearnomics, Inc. shall be deemed willful infringement(s) of this copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy. Clearnomics, Inc. expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised. Clearnomics, Inc. reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

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Send in your questions!

]]> Ford Financial Group Buzzsprout-14020490 Fri, 24 Nov 2023 00:00:00 -0800 2170 full false Bonus: How Inflation Impacts Taxes and Retirement Benefits Bonus: How Inflation Impacts Taxes and Retirement Benefits Bonus episode time! This week Brian discusses how tax bracket thresholds and Social Security benefits are adjusted for inflation.

Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The report used in this episode was prepared by Clearnomics, Inc, Copyright (c) 2023 . All rights reserved. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or correctness of the information and opinions contained herein. The views and the other information provided are subject to change without notice. All reports posted on or via www.clearnomics.com or any affiliated websites, applications, or services are issued without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Predictions, forecasts, and estimates for any and all markets should not be construed as recommendations to buy, sell, or hold any security--including mutual funds, futures contracts, and exchange traded funds, or any similar instruments. The text, images, and other materials contained or displayed in this report are proprietary to Clearnomics, Inc. and constitute valuable intellectual property. All unauthorized reproduction or other use of material from Clearnomics, Inc. shall be deemed willful infringement(s) of this copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy. Clearnomics, Inc. expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised. Clearnomics, Inc. reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

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Send in your questions!

]]> Bonus episode time! This week Brian discusses how tax bracket thresholds and Social Security benefits are adjusted for inflation.

Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The report used in this episode was prepared by Clearnomics, Inc, Copyright (c) 2023 . All rights reserved. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or correctness of the information and opinions contained herein. The views and the other information provided are subject to change without notice. All reports posted on or via www.clearnomics.com or any affiliated websites, applications, or services are issued without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Predictions, forecasts, and estimates for any and all markets should not be construed as recommendations to buy, sell, or hold any security--including mutual funds, futures contracts, and exchange traded funds, or any similar instruments. The text, images, and other materials contained or displayed in this report are proprietary to Clearnomics, Inc. and constitute valuable intellectual property. All unauthorized reproduction or other use of material from Clearnomics, Inc. shall be deemed willful infringement(s) of this copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy. Clearnomics, Inc. expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised. Clearnomics, Inc. reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

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Send in your questions!

]]> Ford Financial Group Buzzsprout-13979479 Fri, 17 Nov 2023 00:00:00 -0800 750 full false The Magnificent 7 and Bear Markets The Magnificent 7 and Bear Markets This week Ryan and Brian talk about how the positive year to date performance of the S&P 500 has been driven by just a few stocks, and how a bear & bull market chart might be able to tell us when the S&P 500 could return to all time highs is in store for the US economy.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Click here for Ryan's chart: https://twitter.com/biancoresearch/st...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Tracking #503979-1

Send in your questions!

]]> This week Ryan and Brian talk about how the positive year to date performance of the S&P 500 has been driven by just a few stocks, and how a bear & bull market chart might be able to tell us when the S&P 500 could return to all time highs is in store for the US economy.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Click here for Ryan's chart: https://twitter.com/biancoresearch/st...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

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]]> Ford Financial Group Buzzsprout-13948009 Fri, 10 Nov 2023 10:00:00 -0800 1853 full false Artificial Intelligence and Coin Flip Recession Outlook Artificial Intelligence and Coin Flip Recession Outlook This week Ryan and Brian talk about how AI has the potential to radically change the profitability of certain industries, and how economists polled by the Wall Street Journal are now evenly mixed on whether a recession is in store for the US economy.

Subscribe on Apple Podcasts (or wherever you listen to podcasts)

Click here for Ryan's chart

Click here for Brian's chart

And the Wall Street Journal Article

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. 

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

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]]> This week Ryan and Brian talk about how AI has the potential to radically change the profitability of certain industries, and how economists polled by the Wall Street Journal are now evenly mixed on whether a recession is in store for the US economy.

Subscribe on Apple Podcasts (or wherever you listen to podcasts)

Click here for Ryan's chart

Click here for Brian's chart

And the Wall Street Journal Article

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. 

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

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]]> Buzzsprout-13810609 Fri, 20 Oct 2023 00:00:00 -0700 2356 full false Spiking Yields and Falling Markets Spiking Yields and Falling Markets This week Ryan and Brian talk about how bond yields have shot higher recently, and how stock and bond markets have taken a beating as a result.

Click here to register for FFG's October 17th Webinar

Subscribe on Apple Podcasts (or wherever you listen to podcasts)

Click here for Ryan's chart

Click here for CNN's Fear and Greed Index

Seasonality chart referenced by Brian from All Star Charts

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. 

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

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]]> This week Ryan and Brian talk about how bond yields have shot higher recently, and how stock and bond markets have taken a beating as a result.

Click here to register for FFG's October 17th Webinar

Subscribe on Apple Podcasts (or wherever you listen to podcasts)

Click here for Ryan's chart

Click here for CNN's Fear and Greed Index

Seasonality chart referenced by Brian from All Star Charts

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. 

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

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]]> Ford Financial Group Buzzsprout-13716987 Fri, 06 Oct 2023 00:00:00 -0700 2096 full false Markets During Government Shutdowns & US Tech vs Europe Markets During Government Shutdowns & US Tech vs Europe This week Ryan and Brian talk about the performance of US Tech firms versus tech internationally, and also review past market performance during US Government shutdowns.

Subscribe on Amazon Prime Music (or wherever you listen to podcasts)

Click here for Ryan's chart

Click here for Brian's 1st chart

Click here for Brian's 2nd chart

Questions? Email us at info@FordFG.com

Web: FordFG.com

Music: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. 

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Ryan and Brian talk about the performance of US Tech firms versus tech internationally, and also review past market performance during US Government shutdowns.

Subscribe on Amazon Prime Music (or wherever you listen to podcasts)

Click here for Ryan's chart

Click here for Brian's 1st chart

Click here for Brian's 2nd chart

Questions? Email us at info@FordFG.com

Web: FordFG.com

Music: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. 

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-13636986 Fri, 22 Sep 2023 00:00:00 -0700 2389 full false Seasonal Market Performance and Spiking Oil Prices Seasonal Market Performance and Spiking Oil Prices This week Brian and Ryan talk about the seasonal performance of markets and how August and September can tend to be difficult months of the year. They also cover the recent news of the OPEC+ extended cuts and how the news has caused oil prices to shoot higher.

Seasonality Charts:
https://www.carsongroup.com/insights/blog/this-is-normal/
https://www.bespokepremium.com/interactive/research

Oil Charts:
https://twitter.com/Barchart/status/1699158280768045147?s=20
https://twitter.com/LizYoungStrat/status/1699161088372232629?s=20

Tracking ID 476923-1

Questions? Email us at info@FordFG.com

Web: FordFG.com

Music: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. 

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> This week Brian and Ryan talk about the seasonal performance of markets and how August and September can tend to be difficult months of the year. They also cover the recent news of the OPEC+ extended cuts and how the news has caused oil prices to shoot higher.

Seasonality Charts:
https://www.carsongroup.com/insights/blog/this-is-normal/
https://www.bespokepremium.com/interactive/research

Oil Charts:
https://twitter.com/Barchart/status/1699158280768045147?s=20
https://twitter.com/LizYoungStrat/status/1699161088372232629?s=20

Tracking ID 476923-1

Questions? Email us at info@FordFG.com

Web: FordFG.com

Music: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. 

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

]]> Ford Financial Group Buzzsprout-13556177 Fri, 08 Sep 2023 10:00:00 -0700 1610 full false Back to School Inflation & Leading Indicators Show Recession Back to School Inflation & Leading Indicators Show Recession This week Brian and Ryan talk more about "back to school," and the impacts of inflation on school materials and spending by families. They also cover the Conference Board's Leading Economic Index, or "LEI," and how it is clearly declaring that a recession is on the way.

They finish up with a discussion on streaming services and their increases in cost (is it actually cheaper than cable?), and on money lessons for Brian's kids.

CNBC: Back to School Inflation https://www.cnbc.com/2023/08/04/back-to-school-shopping-prices-rise-for-backpacks-notepads-pens.html

National Retail Federation Back to School Spending: https://nrf.com/insights/holiday-and-seasonal-trends/back-to-school

WSJ Streamflation: https://www.wsj.com/articles/disney-max-hulu-netflix-streaming-price-2c3bac2a

Conference Board LEI: https://www.conference-board.org/topics/us-leading-indicators

Bespoke Investment Group S&P 500 Returns over time: https://twitter.com/bespokeinvest/status/1693642124820914528?s=20

Tracking ID 471318-1

Send in your questions!

]]> This week Brian and Ryan talk more about "back to school," and the impacts of inflation on school materials and spending by families. They also cover the Conference Board's Leading Economic Index, or "LEI," and how it is clearly declaring that a recession is on the way.

They finish up with a discussion on streaming services and their increases in cost (is it actually cheaper than cable?), and on money lessons for Brian's kids.

CNBC: Back to School Inflation https://www.cnbc.com/2023/08/04/back-to-school-shopping-prices-rise-for-backpacks-notepads-pens.html

National Retail Federation Back to School Spending: https://nrf.com/insights/holiday-and-seasonal-trends/back-to-school

WSJ Streamflation: https://www.wsj.com/articles/disney-max-hulu-netflix-streaming-price-2c3bac2a

Conference Board LEI: https://www.conference-board.org/topics/us-leading-indicators

Bespoke Investment Group S&P 500 Returns over time: https://twitter.com/bespokeinvest/status/1693642124820914528?s=20

Tracking ID 471318-1

Send in your questions!

]]> Buzzsprout-13464601 Tue, 29 Aug 2023 09:00:00 -0700 3241 full false Softening Labor Market, US Credit Downgrade, and Football on the Way Softening Labor Market, US Credit Downgrade, and Football on the Way This week Ryan and Brian discuss how July's non-farm payrolls grew by 187,000, slightly below consensus, with a slight increase from June's revised figure of 185,000. Unemployment rate decreased to 3.5% from the previous 3.6%, while labor force participation remained at 62.6% for the fifth consecutive month.

They also covered how Fitch downgraded U.S. government debt from AAA to AA+ due to expected fiscal deterioration, high debt burden, and governance erosion. Yet, the rating downgrade is unlikely to impact U.S. debt or markets; U.S. remains a safe haven during market stress.

Job Growth Chart 1

Job Growth Chart 2

Market Reaction to 2011 Credit Downgrade

Tracking # 467084-1
Tracking # 1-05376752
Tracking #1-05377068

Send in your questions!

]]> This week Ryan and Brian discuss how July's non-farm payrolls grew by 187,000, slightly below consensus, with a slight increase from June's revised figure of 185,000. Unemployment rate decreased to 3.5% from the previous 3.6%, while labor force participation remained at 62.6% for the fifth consecutive month.

They also covered how Fitch downgraded U.S. government debt from AAA to AA+ due to expected fiscal deterioration, high debt burden, and governance erosion. Yet, the rating downgrade is unlikely to impact U.S. debt or markets; U.S. remains a safe haven during market stress.

Job Growth Chart 1

Job Growth Chart 2

Market Reaction to 2011 Credit Downgrade

Tracking # 467084-1
Tracking # 1-05376752
Tracking #1-05377068

Send in your questions!

]]> Ford Financial Group Buzzsprout-13385674 Fri, 11 Aug 2023 00:00:00 -0700 1678 full false Special Guest Joe Perry: Real Estate Insight & Tevas with Socks? Special Guest Joe Perry: Real Estate Insight & Tevas with Socks? This week Joe and Brian discuss how weird the housing market is right now, and reference data from Redfin.

Click here: Redfin Downloadable Housing Market Data

Find Joe Perry here: https://www.linkedin.com/in/joe-perry-54428921/

Send in your questions!

]]> This week Joe and Brian discuss how weird the housing market is right now, and reference data from Redfin.

Click here: Redfin Downloadable Housing Market Data

Find Joe Perry here: https://www.linkedin.com/in/joe-perry-54428921/

Send in your questions!

]]> Ford Financial Group Buzzsprout-13309112 Fri, 28 Jul 2023 12:00:00 -0700 1831 full false Dow Theory Update: Bullish Signals? Dow Theory Update: Bullish Signals? This week Brian discusses how expanding market breadth and renewed hope for an economic soft landing have recently pushed the Dow Jones Industrial Average and Dow Jones Transportation Average to new 52-week highs, and how the breakout on both indices has produced a Dow Theory buy signal also adds to the evidence that the primary trend of the broader market is higher.

Chart: Dow Returns After Win Streak

Tracking #1-05375971


Send in your questions!

]]> This week Brian discusses how expanding market breadth and renewed hope for an economic soft landing have recently pushed the Dow Jones Industrial Average and Dow Jones Transportation Average to new 52-week highs, and how the breakout on both indices has produced a Dow Theory buy signal also adds to the evidence that the primary trend of the broader market is higher.

Chart: Dow Returns After Win Streak

Tracking #1-05375971


Send in your questions!

]]> Ford Financial Group Buzzsprout-13264950 Fri, 21 Jul 2023 12:00:00 -0700 805 full false Casual Friday: S&P 500 Weighting, Credit Cards, Saizon & Fresno Bashing(?) Casual Friday: S&P 500 Weighting, Credit Cards, Saizon & Fresno Bashing(?) @VisualCap Visual Capitalist

@SoberLook (((The Daily Shot)))

Tracking # 457233-1

Send in your questions!

]]> @VisualCap Visual Capitalist

@SoberLook (((The Daily Shot)))

Tracking # 457233-1

Send in your questions!

]]> Ford Financial Group Buzzsprout-13210734 Fri, 14 Jul 2023 00:00:00 -0700 1698 full false Q2 Triumph: Surging Markets Beat Odds with Easing Inflation & Positive Earnings Q2 Triumph: Surging Markets Beat Odds with Easing Inflation & Positive Earnings This week Brian reviews the first half of 2023 and discusses how it was a bit of a shocker for investors and analysts, as the S&P 500 powered through, giving an impressive 8.7% return in the second quarter, inclusive of dividends. This surge set up a first-half gain of a whopping 16.9%, which hasn't been seen since 2019. Meanwhile, the Nasdaq skyrocketed to a first-half gain of more than 32%, a feat not seen since 1983.


Send in your questions!

]]> This week Brian reviews the first half of 2023 and discusses how it was a bit of a shocker for investors and analysts, as the S&P 500 powered through, giving an impressive 8.7% return in the second quarter, inclusive of dividends. This surge set up a first-half gain of a whopping 16.9%, which hasn't been seen since 2019. Meanwhile, the Nasdaq skyrocketed to a first-half gain of more than 32%, a feat not seen since 1983.


Send in your questions!

]]> Buzzsprout-13140979 Fri, 07 Jul 2023 00:00:00 -0700 793 full false Casual Friday 6/30: Fed, Debts & Deficits, and Pickleball Injuries Casual Friday 6/30: Fed, Debts & Deficits, and Pickleball Injuries This week Ryan is finally back, and Brian and Ryan cover a variety of topics, including how markets are ripping as we finish the first half of the year, issues with the federal deficit, the rate of Fed rate increases, pickleball injuries, and what Brian is doing to teach his kids about money.

Ryan Detrick's June Chart HERE

Visual Capitalist Debt Ceiling Chart HERE

Visual Capitalist Rate Increase Chart HERE

Tracking 454169-1

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]]> This week Ryan is finally back, and Brian and Ryan cover a variety of topics, including how markets are ripping as we finish the first half of the year, issues with the federal deficit, the rate of Fed rate increases, pickleball injuries, and what Brian is doing to teach his kids about money.

Ryan Detrick's June Chart HERE

Visual Capitalist Debt Ceiling Chart HERE

Visual Capitalist Rate Increase Chart HERE

Tracking 454169-1

Send in your questions!

]]> Ford Financial Group Buzzsprout-13140144 Fri, 30 Jun 2023 11:00:00 -0700 2035 full false Fed Recap: Connecting the Dots Fed Recap: Connecting the Dots As expected, the Federal Open Market Committee (FOMC) kept rates unchanged at its meeting last week but communicated a hawkish bias to future interest rate decisions. This week Brian talks about how the FOMC statement was modestly hawkish but still communicated to investors that the committee is data-dependent when “determining the extent of additional policy firming that may be appropriate.” (emphasis added.) They do not say more tightening “will” be appropriate.

Tracking # 1-05373425

Send in your questions!

]]> As expected, the Federal Open Market Committee (FOMC) kept rates unchanged at its meeting last week but communicated a hawkish bias to future interest rate decisions. This week Brian talks about how the FOMC statement was modestly hawkish but still communicated to investors that the committee is data-dependent when “determining the extent of additional policy firming that may be appropriate.” (emphasis added.) They do not say more tightening “will” be appropriate.

Tracking # 1-05373425

Send in your questions!

]]> Buzzsprout-13078330 Tue, 20 Jun 2023 16:00:00 -0700 615 full false Stock Market Implications of a Recession Stock Market Implications of a Recession If we assume recession is coming fairly soon, though it will likely be short and shallow, then what does that mean for stocks? This week Brian looks at recessions back to the early 1970s to see how the S&P 500 Index performed during the 12, six, and three months before those economic downturns began.

On average, six months before, the index has fallen 1.4%, though the median is slightly positive at 1.0%. Three months before recessions began, performance was a bit weaker, with an average and median decline of 1.6% and 3.8%, respectively.

Click here for the chart

Tracking 1-05372748

Send in your questions!

]]> If we assume recession is coming fairly soon, though it will likely be short and shallow, then what does that mean for stocks? This week Brian looks at recessions back to the early 1970s to see how the S&P 500 Index performed during the 12, six, and three months before those economic downturns began.

On average, six months before, the index has fallen 1.4%, though the median is slightly positive at 1.0%. Three months before recessions began, performance was a bit weaker, with an average and median decline of 1.6% and 3.8%, respectively.

Click here for the chart

Tracking 1-05372748

Send in your questions!

]]> Buzzsprout-12998911 Fri, 09 Jun 2023 00:00:00 -0700 625 full false Navigating the Bond Market Maze: Recession Risks and Investment Strategies Navigating the Bond Market Maze: Recession Risks and Investment Strategies This week Brian discussed how both longer-term Treasury yields and short-term Treasury yields tend to decline during recessions, but the effect is larger and more consistent with short-term Treasuries.

Over the last eight recessions, the median maximum yield decline for the 3-month Treasury was 2.82% and 1.14% for the 10-year Treasury.

With an attractive yield compared to recent history and prospects of price appreciation if there were a recession, intermediate maturity Treasuries have a reasonable outlook on top of their potential diversification benefits if we were to see a downturn.

The prospect of a decline in yields makes shorter maturity Treasuries less attractive, as investors may need to reinvest at much lower rates when bonds mature.

Check out our old Yield Curve episode

Click here for a treasury yield chart


Send in your questions!

]]> This week Brian discussed how both longer-term Treasury yields and short-term Treasury yields tend to decline during recessions, but the effect is larger and more consistent with short-term Treasuries.

Over the last eight recessions, the median maximum yield decline for the 3-month Treasury was 2.82% and 1.14% for the 10-year Treasury.

With an attractive yield compared to recent history and prospects of price appreciation if there were a recession, intermediate maturity Treasuries have a reasonable outlook on top of their potential diversification benefits if we were to see a downturn.

The prospect of a decline in yields makes shorter maturity Treasuries less attractive, as investors may need to reinvest at much lower rates when bonds mature.

Check out our old Yield Curve episode

Click here for a treasury yield chart


Send in your questions!

]]> Buzzsprout-12927473 Fri, 02 Jun 2023 00:00:00 -0700 605 full false Unraveling Stock Market Patterns: Stitching Together a Prosperous 2023 Unraveling Stock Market Patterns: Stitching Together a Prosperous 2023 Yesterday was the 100th trading day of 2023, and a productive 100 days for stocks it was. Through that 100th trading day on May 25, about 40% of the way through the year, the S&P 500 Index has gained a solid 8.1% (excluding dividends).

This week Brian discusses how that milestone on the calendar seems like a good time to look at what the strong start to the year might mean for the rest of 2023.

Chart: Strong Starts Lead to Strong Finishes

Send in your questions!

]]> Yesterday was the 100th trading day of 2023, and a productive 100 days for stocks it was. Through that 100th trading day on May 25, about 40% of the way through the year, the S&P 500 Index has gained a solid 8.1% (excluding dividends).

This week Brian discusses how that milestone on the calendar seems like a good time to look at what the strong start to the year might mean for the rest of 2023.

Chart: Strong Starts Lead to Strong Finishes

Send in your questions!

]]> Ford Financial Group Buzzsprout-12927117 Fri, 26 May 2023 11:00:00 -0700 493 full false Crisis Du Jour: Debt Ceiling Showdown Crisis Du Jour: Debt Ceiling Showdown This week Brian and Ryan talk about how time is running out for Congress to raise the debt ceiling. Treasury Secretary Janet Yellen has warned lawmakers that the government may not be able to service its debt by June 1.

The fixed income market continues to show signs of concern over a potential technical default. Credit default swap (CDS) rates for U.S. government debt have roughly doubled over the last month, while four-week Treasury bills auctioned at their highest discount on record last week.

Chart 1

Chart 2

Chart 3


Tracking # 1-05369269

Send in your questions!

]]> This week Brian and Ryan talk about how time is running out for Congress to raise the debt ceiling. Treasury Secretary Janet Yellen has warned lawmakers that the government may not be able to service its debt by June 1.

The fixed income market continues to show signs of concern over a potential technical default. Credit default swap (CDS) rates for U.S. government debt have roughly doubled over the last month, while four-week Treasury bills auctioned at their highest discount on record last week.

Chart 1

Chart 2

Chart 3


Tracking # 1-05369269

Send in your questions!

]]> Ford Financial Group Buzzsprout-12889316 Sun, 21 May 2023 09:00:00 -0700 1701 full false Social Security Pays to Wait? Social Security Pays to Wait? Send in your questions!

]]> Send in your questions!

]]> Ford Financial Group Buzzsprout-12738646 Fri, 28 Apr 2023 00:00:00 -0700 1355 full false The Long and Short View - Casual Tuesday? The Long and Short View - Casual Tuesday? This week Brian and Ryan got together to review the long and short views on markets... what is going on right now and how worried should investors be in light of bank failures and a looming recession, and what happens when we pull the lens back and look at what markets do over much longer periods. The long and short views paint much different pictures.  

Send in your questions!

]]> This week Brian and Ryan got together to review the long and short views on markets... what is going on right now and how worried should investors be in light of bank failures and a looming recession, and what happens when we pull the lens back and look at what markets do over much longer periods. The long and short views paint much different pictures.  

Send in your questions!

]]> Ford Financial Group Buzzsprout-12683669 Fri, 21 Apr 2023 00:00:00 -0700 1549 full false 6 Things to Know About Stocks and Recessions 6 Things to Know About Stocks and Recessions With recession risks getting more attention in the wake of the FOMC minutes’ release, Brian highlights some important characteristics of market behavior around recessions and some unusual features of the current market if a recession were to be on the horizon. 


 Tracking # 1-05366963

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]]> With recession risks getting more attention in the wake of the FOMC minutes’ release, Brian highlights some important characteristics of market behavior around recessions and some unusual features of the current market if a recession were to be on the horizon. 


 Tracking # 1-05366963

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]]> Ford Financial Group Buzzsprout-12672346 Mon, 17 Apr 2023 22:00:00 -0700 889 full false Is a Roth Conversion the Right Move for You? Is a Roth Conversion the Right Move for You? Individual Retirement Accounts (IRAs) provide individuals with an opportunity to save for retirement on a tax-advantaged basis. Traditional IRAs allow contributions to be made on a pre-tax basis, meaning that contributions are tax-deductible in the year they are made. However, distributions from traditional IRAs are subject to income tax in retirement. 

On the other hand, Roth IRAs allow contributions to be made on an after-tax basis, meaning that contributions are not tax-deductible in the year they are made. Moreover, distributions from Roth IRAs are tax-free in retirement. 

This week Brian discusses when it is the right time to do a traditional IRA to Roth IRA conversion. Some factors to consider are the timing of the conversion, tax rates, future income, retirement goals, and available funds.

Send in your questions!

]]> Individual Retirement Accounts (IRAs) provide individuals with an opportunity to save for retirement on a tax-advantaged basis. Traditional IRAs allow contributions to be made on a pre-tax basis, meaning that contributions are tax-deductible in the year they are made. However, distributions from traditional IRAs are subject to income tax in retirement. 

On the other hand, Roth IRAs allow contributions to be made on an after-tax basis, meaning that contributions are not tax-deductible in the year they are made. Moreover, distributions from Roth IRAs are tax-free in retirement. 

This week Brian discusses when it is the right time to do a traditional IRA to Roth IRA conversion. Some factors to consider are the timing of the conversion, tax rates, future income, retirement goals, and available funds.

Send in your questions!

]]> Buzzsprout-12603328 Fri, 07 Apr 2023 00:00:00 -0700 957 full false Can the Spring Melt Up Continue? Can the Spring Melt Up Continue? Find us at FordFG.com
Email us at info@fordfg.com

This week Brian talks about how March was a volatile month, but seasonality patterns prevailed, as stocks stuck to the script of back half outperformance. April seasonality trends suggest the melt up could continue. Since 1950, the S&P 500 has posted average and median April returns of 1.5% and 1.2%, respectively.

Historical return progressions for April show a strong first half of the month. During the first 12 trading days, the S&P 500 has historically climbed 1.4%, capturing the majority of the gains for the month. The market avoided breaking below the December lows this quarter, triggering a bullish signal on the December Low indicator.

Chart: S&P 500 Daily March Progression

Chart: S&P 500 Monthly Returns

Chart: S&P 500 Daily April Progression

Chart: December Lows Indicator

Tracking # 1-05366146, 424964-1

Send in your questions!

]]> Find us at FordFG.com
Email us at info@fordfg.com

This week Brian talks about how March was a volatile month, but seasonality patterns prevailed, as stocks stuck to the script of back half outperformance. April seasonality trends suggest the melt up could continue. Since 1950, the S&P 500 has posted average and median April returns of 1.5% and 1.2%, respectively.

Historical return progressions for April show a strong first half of the month. During the first 12 trading days, the S&P 500 has historically climbed 1.4%, capturing the majority of the gains for the month. The market avoided breaking below the December lows this quarter, triggering a bullish signal on the December Low indicator.

Chart: S&P 500 Daily March Progression

Chart: S&P 500 Monthly Returns

Chart: S&P 500 Daily April Progression

Chart: December Lows Indicator

Tracking # 1-05366146, 424964-1

Send in your questions!

]]> Ford Financial Group Buzzsprout-12558644 Fri, 31 Mar 2023 14:00:00 -0700 748 full false Three Takeaways from the Fed Decision Three Takeaways from the Fed Decision This week we get down to business and talk all things Federal Reserve. As we expected, the Federal Reserve (Fed) raised the fed funds rate by 0.25%, pushing the upper bound to 5.00%. Financial conditions were stable enough for the Federal Open Market Committee (FOMC) to release updated projections, unlike the Fed’s decision back in March 2020 to delay updated projections due to financial instability.

Chart of the Day

Tracking # 1-05365102

Send in your questions!

]]> This week we get down to business and talk all things Federal Reserve. As we expected, the Federal Reserve (Fed) raised the fed funds rate by 0.25%, pushing the upper bound to 5.00%. Financial conditions were stable enough for the Federal Open Market Committee (FOMC) to release updated projections, unlike the Fed’s decision back in March 2020 to delay updated projections due to financial instability.

Chart of the Day

Tracking # 1-05365102

Send in your questions!

]]> Ford Financial Group Buzzsprout-12509172 Fri, 24 Mar 2023 10:00:00 -0700 1142 full false Joe Perry talks Mortgages and Real Estate - Casual Friday Webcast Joe Perry talks Mortgages and Real Estate - Casual Friday Webcast This week we're joined by  Joe Perry, loan consultant and mortgage expert, to talk rates, mortgages, housing, and Voltron. Check out this week's "Casual Friday"!

Joe Perry: https://www.therealjoeperry.com/
YouTube Webcast: https://youtu.be/dyw5TQvzFig

Tracking #421267-1

Send in your questions!

]]> This week we're joined by  Joe Perry, loan consultant and mortgage expert, to talk rates, mortgages, housing, and Voltron. Check out this week's "Casual Friday"!

Joe Perry: https://www.therealjoeperry.com/
YouTube Webcast: https://youtu.be/dyw5TQvzFig

Tracking #421267-1

Send in your questions!

]]> Ford Financial Group Buzzsprout-12439312 Fri, 17 Mar 2023 00:00:00 -0700 2970 full false "No Landing" Makes No Sense "No Landing" Makes No Sense In the overused airplane analogy for the economy, suggesting an economy makes “no landing” makes no sense. Analogies eventually break down, and this one is no different. 

Economic activity doesn't stop like an airplane eventually does. Instead, the economy settles into a steady state where growth is consistent with factors such as population and productivity. Today, Brian looks at some factors that illustrate how the economy is struggling to find a stable growth path.

Tracking #421271-1

Send in your questions!

]]> In the overused airplane analogy for the economy, suggesting an economy makes “no landing” makes no sense. Analogies eventually break down, and this one is no different. 

Economic activity doesn't stop like an airplane eventually does. Instead, the economy settles into a steady state where growth is consistent with factors such as population and productivity. Today, Brian looks at some factors that illustrate how the economy is struggling to find a stable growth path.

Tracking #421271-1

Send in your questions!

]]> Buzzsprout-12387818 Fri, 10 Mar 2023 00:00:00 -0800 700 full false Are Leading Indicators Signaling Caution? Are Leading Indicators Signaling Caution? This week Brian discusses the Conference Board’s latest Leading Economic Index (LEI), which was released Friday, February 17, 2023.

The LEI is an aggregate of 10 economic and market indicators that tend to lead changes in economic activity. The index declined 0.3% for the month and 5.9% for the past year, a slight improvement from the one-year change the previous month. Despite some signs of improvement, the Conference Board noted that their LEI has exhibited the depth, duration, and dispersion that has acted as a reliable indicator of elevated recession risk in the past.

Chart 1

Send in your questions!

]]> This week Brian discusses the Conference Board’s latest Leading Economic Index (LEI), which was released Friday, February 17, 2023.

The LEI is an aggregate of 10 economic and market indicators that tend to lead changes in economic activity. The index declined 0.3% for the month and 5.9% for the past year, a slight improvement from the one-year change the previous month. Despite some signs of improvement, the Conference Board noted that their LEI has exhibited the depth, duration, and dispersion that has acted as a reliable indicator of elevated recession risk in the past.

Chart 1

Send in your questions!

]]> Ford Financial Group Buzzsprout-12339851 Fri, 03 Mar 2023 00:00:00 -0800 811 full false Debt Ceiling Back in Focus Debt Ceiling Back in Focus This week Brian discusses the debt limit—commonly called the debt ceiling— which is the maximum amount of debt the Treasury Department is authorized to borrow to pay its already committed financial obligations. 

The Congressional Budget Office (CBO) recently released a statement projecting that the ability of these extraordinary measures to be effective would be exhausted between July and September of this year. The closer the political brinksmanship gets us to the point of default, the more unnecessary volatility we’re likely to see in markets.

Chart: Debt Ceiling Standoff

Tracking # 1-05360618

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]]> This week Brian discusses the debt limit—commonly called the debt ceiling— which is the maximum amount of debt the Treasury Department is authorized to borrow to pay its already committed financial obligations. 

The Congressional Budget Office (CBO) recently released a statement projecting that the ability of these extraordinary measures to be effective would be exhausted between July and September of this year. The closer the political brinksmanship gets us to the point of default, the more unnecessary volatility we’re likely to see in markets.

Chart: Debt Ceiling Standoff

Tracking # 1-05360618

Send in your questions!

]]> Ford Financial Group Buzzsprout-12275953 Fri, 24 Feb 2023 00:00:00 -0800 611 full false Is Cash Worth the (Reinvestment) Risk? Is Cash Worth the (Reinvestment) Risk? This week Brian discusses how cash, and other cash equivalent investments, now offer decent yields for savers and the risk adverse. However, economists like to remind us there is no such thing as a free lunch. In investment parlance, that just means all investments carry risk—even cash. 

Chart 1

Chart 2


Tracking 1-05360618

Send in your questions!

]]> This week Brian discusses how cash, and other cash equivalent investments, now offer decent yields for savers and the risk adverse. However, economists like to remind us there is no such thing as a free lunch. In investment parlance, that just means all investments carry risk—even cash. 

Chart 1

Chart 2


Tracking 1-05360618

Send in your questions!

]]> Ford Financial Group Buzzsprout-12267688 Fri, 17 Feb 2023 00:00:00 -0800 678 full false Casual Friday 2/10: Football Chart Mania! Casual Friday 2/10: Football Chart Mania! This week Nik and Brian get together on the Casual Friday webcast to review a couple of charts relating to mortgage applications and earnings season.... and then dig into the important stuff like how Super Bowl results and market returns correlate (or not)!

Send in your questions!

]]> This week Nik and Brian get together on the Casual Friday webcast to review a couple of charts relating to mortgage applications and earnings season.... and then dig into the important stuff like how Super Bowl results and market returns correlate (or not)!

Send in your questions!

]]> Ford Financial Group Buzzsprout-12228009 Fri, 10 Feb 2023 13:00:00 -0800 1138 full false Are Yields Telling Us Rates Will Stop Rising? Are Yields Telling Us Rates Will Stop Rising? At the end of January, spotlight will shift from earnings to the Federal Reserve (Fed) next week as they wrap up their 2-day monetary policy meeting on Wednesday, February 1. This wee Brian discusses how market expectations are set for an increase of 25 basis points (bps) in the fed funds rate, which would shift the Fed’s target range up to 4.50%–4.75% from 4.25%–4.50%. There will be no updated Summary of Economic Projections accompanying the meeting, leaving investors to sift through the policy statement and Chair Powell’s post-meeting press conference for any potential clues on the path of future policy.

Chart: 2 Year Treasury Yield vs Fed Fund Target Rate 

Tracking #1-05357454

Send in your questions!

]]> At the end of January, spotlight will shift from earnings to the Federal Reserve (Fed) next week as they wrap up their 2-day monetary policy meeting on Wednesday, February 1. This wee Brian discusses how market expectations are set for an increase of 25 basis points (bps) in the fed funds rate, which would shift the Fed’s target range up to 4.50%–4.75% from 4.25%–4.50%. There will be no updated Summary of Economic Projections accompanying the meeting, leaving investors to sift through the policy statement and Chair Powell’s post-meeting press conference for any potential clues on the path of future policy.

Chart: 2 Year Treasury Yield vs Fed Fund Target Rate 

Tracking #1-05357454

Send in your questions!

]]> Ford Financial Group Buzzsprout-12133448 Fri, 27 Jan 2023 15:00:00 -0800 863 full false Win, Lose, or Recover? Win, Lose, or Recover? We finally made it to the end of 2022! Today marks the last day of trading for a  challenging year for equity and fixed income markets. 

Surging inflation, unprecedented global monetary policy tightening, China’s battle with COVID-19, rising recession fears, and the Russia-Ukraine war have been a few of the major headwinds. 

The arduous backdrop has underpinned a 19.2% loss for the S&P 500 as of December 29, likely making it the seventh-worst year for the index since 1928.

Charts:

  1. Annual Winner/Loser Sector Returns
  2. Annual Winner-Loser Sector Return Spreads
  3. Annual Sector Winner-Loser Table
  4. Long/Short Sector Convergence Model

Tracking # 1-05353220

Send in your questions!

]]> We finally made it to the end of 2022! Today marks the last day of trading for a  challenging year for equity and fixed income markets. 

Surging inflation, unprecedented global monetary policy tightening, China’s battle with COVID-19, rising recession fears, and the Russia-Ukraine war have been a few of the major headwinds. 

The arduous backdrop has underpinned a 19.2% loss for the S&P 500 as of December 29, likely making it the seventh-worst year for the index since 1928.

Charts:

  1. Annual Winner/Loser Sector Returns
  2. Annual Winner-Loser Sector Return Spreads
  3. Annual Sector Winner-Loser Table
  4. Long/Short Sector Convergence Model

Tracking # 1-05353220

Send in your questions!

]]> Ford Financial Group Buzzsprout-11953395 Fri, 30 Dec 2022 10:00:00 -0800 836 full false Does "Seasonality" Support a December Rally? Does "Seasonality" Support a December Rally? Is hope an investing strategy? No, but as November draws to a close, many investors are hoping some holiday cheer in stock markets and a potential December rally. 

In this episode Brian takes a look at what clues seasonality data may give us for stock market performance in December. It turns out that while, historically, December has been a very strong month for stocks, in recent years seasonality trends have been weaker, and a December rally has often failed to appear following a difficult year for stocks.

Charts:

  1. December up more than any other month
  2. December seasonality not as strong lately
  3. A bad year or midterm can stifle a December rally

Tracking # 1-05349041

Send in your questions!

]]> Is hope an investing strategy? No, but as November draws to a close, many investors are hoping some holiday cheer in stock markets and a potential December rally. 

In this episode Brian takes a look at what clues seasonality data may give us for stock market performance in December. It turns out that while, historically, December has been a very strong month for stocks, in recent years seasonality trends have been weaker, and a December rally has often failed to appear following a difficult year for stocks.

Charts:

  1. December up more than any other month
  2. December seasonality not as strong lately
  3. A bad year or midterm can stifle a December rally

Tracking # 1-05349041

Send in your questions!

]]> Ford Financial Group Buzzsprout-11792904 Sat, 03 Dec 2022 00:00:00 -0800 802 full false Yield Curve Inversion and Predicting Recessions Yield Curve Inversion and Predicting Recessions "Yield Curve Inversion Reaches New Extremes" was the eye opening headline from the Wall Street Journal this week, and it certainly grabs attention and probably leads to some investor panic. But what does "yield curve inversion" actually mean for you as an investor, and exactly which yield curve is the better predictor of recessions?

This week Brian tackles what you need to know about the yield curve, its predictive abilities, and whether investors should be concerned.

LPL Chart of the Day

Tracking 1-05348396

Send in your questions!

]]> "Yield Curve Inversion Reaches New Extremes" was the eye opening headline from the Wall Street Journal this week, and it certainly grabs attention and probably leads to some investor panic. But what does "yield curve inversion" actually mean for you as an investor, and exactly which yield curve is the better predictor of recessions?

This week Brian tackles what you need to know about the yield curve, its predictive abilities, and whether investors should be concerned.

LPL Chart of the Day

Tracking 1-05348396

Send in your questions!

]]> Ford Financial Group Buzzsprout-11783466 Tue, 29 Nov 2022 11:00:00 -0800 945 full false "Chernobyl Level" Nuclear Winter for Housing Industry "Chernobyl Level" Nuclear Winter for Housing Industry This week we're joined by Joe Perry, a loan officer with Precision Home Loans, who gives a honest assessment of where the housing market, mortgage rates, and housing generally stand in light of recent interest rate increases.

If you have questions for Joe from this episode, you can find him at www.therealjoeperry.com.

Send in your questions!

]]> This week we're joined by Joe Perry, a loan officer with Precision Home Loans, who gives a honest assessment of where the housing market, mortgage rates, and housing generally stand in light of recent interest rate increases.

If you have questions for Joe from this episode, you can find him at www.therealjoeperry.com.

Send in your questions!

]]> Ford Financial Group Buzzsprout-11649355 Fri, 11 Nov 2022 00:00:00 -0800 2033 full false Slowing Down and Going Higher? Feed Meeting Recap Slowing Down and Going Higher? Feed Meeting Recap This week Brian discusses how the Federal Reserve (Fed) ended its two-day Federal Open Market Committee (FOMC) meeting this week and the outcome was broadly in line with market expectations. As expected, the Committee raised short-term interest rates by 0.75% to take the fed funds rate to 4.0% (upper bound).

However, during the press conference, Powell suggested he sees rates higher than expected at the last forecast round in September, indicating a terminal rate above 5%. Bond markets have priced in a terminal rate slightly above 5% by the May 2023 meeting and then marginal cuts throughout the year.

LPL Chart of the Day

Tracking # 1-05343828

Send in your questions!

]]> This week Brian discusses how the Federal Reserve (Fed) ended its two-day Federal Open Market Committee (FOMC) meeting this week and the outcome was broadly in line with market expectations. As expected, the Committee raised short-term interest rates by 0.75% to take the fed funds rate to 4.0% (upper bound).

However, during the press conference, Powell suggested he sees rates higher than expected at the last forecast round in September, indicating a terminal rate above 5%. Bond markets have priced in a terminal rate slightly above 5% by the May 2023 meeting and then marginal cuts throughout the year.

LPL Chart of the Day

Tracking # 1-05343828

Send in your questions!

]]> Ford Financial Group Buzzsprout-11627362 Fri, 04 Nov 2022 00:00:00 -0700 625 full false A Rebound in Growth? A Rebound in Growth? This week Brian talks about how, after two consecutive quarters of negative growth, the U.S. economy grew at a 2.6% annualized rate in the third quarter, driven by a resilient consumer sector. Real personal spending, roughly 70% of the economy, grew 1.4% annualized, slightly slower than the previous quarter.

LPL Chart of the Day

Tracking # 1-05341645

Send in your questions!

]]> This week Brian talks about how, after two consecutive quarters of negative growth, the U.S. economy grew at a 2.6% annualized rate in the third quarter, driven by a resilient consumer sector. Real personal spending, roughly 70% of the economy, grew 1.4% annualized, slightly slower than the previous quarter.

LPL Chart of the Day

Tracking # 1-05341645

Send in your questions!

]]> Buzzsprout-11587953 Sat, 29 Oct 2022 11:00:00 -0700 1022 full false A Lost Decade for Bonds? A Lost Decade for Bonds? The core bond index (as defined by the Bloomberg Aggregate Bond index) is seeing losses unlike any year since its inception. Core bonds are down nearly 16% this year and this year’s losses have wiped out five years of gains for the index.  Because bonds operate differently from stocks, this week Brian reviews how long it might take to recover this year’s losses

LPL Chart of possible bond returns

Tracking ID: 1-05339279

Send in your questions!

]]> The core bond index (as defined by the Bloomberg Aggregate Bond index) is seeing losses unlike any year since its inception. Core bonds are down nearly 16% this year and this year’s losses have wiped out five years of gains for the index.  Because bonds operate differently from stocks, this week Brian reviews how long it might take to recover this year’s losses

LPL Chart of possible bond returns

Tracking ID: 1-05339279

Send in your questions!

]]> Ford Financial Group Buzzsprout-11525667 Tue, 18 Oct 2022 16:00:00 -0700 548 full false 5 Tips to Handle Market Volatility 5 Tips to Handle Market Volatility Just like muscle fatigue is part of any intense training program, volatility is an unavoidable part of the investment process. It’s easy for investors to forget that volatility is the norm, not the exception. This week Brian addresses 5 ways to handle volatility as an investor. 

Tracking ID: 1-05322459

Send in your questions!

]]> Just like muscle fatigue is part of any intense training program, volatility is an unavoidable part of the investment process. It’s easy for investors to forget that volatility is the norm, not the exception. This week Brian addresses 5 ways to handle volatility as an investor. 

Tracking ID: 1-05322459

Send in your questions!

]]> Buzzsprout-11479081 Tue, 11 Oct 2022 10:00:00 -0700 944 full false Casual Friday 9/30: Crashing into the End of Q3! Casual Friday 9/30: Crashing into the End of Q3! Ryan, Brian, and Nik discuss the terrible end to the third quarter of 2022, which gave the S&P 500 its 3rd straight quarterly loss, the worst month since March 2020, and the worst September since 2008!

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 

Send in your questions!

]]> Ryan, Brian, and Nik discuss the terrible end to the third quarter of 2022, which gave the S&P 500 its 3rd straight quarterly loss, the worst month since March 2020, and the worst September since 2008!

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 

Send in your questions!

]]> Buzzsprout-11416432 Fri, 30 Sep 2022 14:00:00 -0700 1588 full false Fed Gets Pessimistic, Yet Realistic Fed Gets Pessimistic, Yet Realistic This week Brian discusses how the Federal Open Market Committee (FOMC) increased the target rate by 75 basis points to a 3.25% upper bound and delivered a more pessimistic outlook in their published Summary of Economic Projections.

Chart: Aggressive Hikes Taming Inflation

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05328334

Send in your questions!

]]> This week Brian discusses how the Federal Open Market Committee (FOMC) increased the target rate by 75 basis points to a 3.25% upper bound and delivered a more pessimistic outlook in their published Summary of Economic Projections.

Chart: Aggressive Hikes Taming Inflation

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05328334

Send in your questions!

]]> Ford Financial Group Buzzsprout-11407872 Thu, 29 Sep 2022 08:00:00 -0700 890 full false Will the Fed Push Back on Markets? Will the Fed Push Back on Markets? Since 1978, the Federal Reserve Bank of Kansas City has played host to central bankers, policymakers, academics and economists from around the world at its annual economic policy symposium in Jackson Hole, Wyoming.

This year’s symposium is titled “Reassessing Constraints on the Economy,” and it takes place from Thursday to Saturday and Fed Chair Jerome Powell headlines the event.

We don’t yet know the topic of his keynote speech, but it's largely expected to give some additional clarity on how the Fed plans to keep raising short-term interest rates in an effort to get inflation under control.  Whether markets believe him is a different question.

Chart: Market vs Fed Dot Plot

Chart: Easing Financial Conditions

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05317873

Send in your questions!

]]> Since 1978, the Federal Reserve Bank of Kansas City has played host to central bankers, policymakers, academics and economists from around the world at its annual economic policy symposium in Jackson Hole, Wyoming.

This year’s symposium is titled “Reassessing Constraints on the Economy,” and it takes place from Thursday to Saturday and Fed Chair Jerome Powell headlines the event.

We don’t yet know the topic of his keynote speech, but it's largely expected to give some additional clarity on how the Fed plans to keep raising short-term interest rates in an effort to get inflation under control.  Whether markets believe him is a different question.

Chart: Market vs Fed Dot Plot

Chart: Easing Financial Conditions

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05317873

Send in your questions!

]]> Buzzsprout-11192036 Tue, 23 Aug 2022 13:00:00 -0700 694 full false Money in Motion - What to Do With That Old 401K Money in Motion - What to Do With That Old 401K Like most people, you're likely to change jobs several times during your working life. And you'll likely have a 401(k) account through your former employer to deal with. This week, Brian talks about four options for what to do with an old 401(k) account.

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 

Send in your questions!

]]> Like most people, you're likely to change jobs several times during your working life. And you'll likely have a 401(k) account through your former employer to deal with. This week, Brian talks about four options for what to do with an old 401(k) account.

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 

Send in your questions!

]]> Ford Financial Group Buzzsprout-10980564 Fri, 22 Jul 2022 00:00:00 -0700 751 full false Midyear Outlook 2022: Navigating Turbulence Midyear Outlook 2022: Navigating Turbulence CLICK HERE to view the Midyear Outlook Presentation

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. 

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. 

References to markets, asset classes, and sectors are generally regarding the corresponding market index. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. All performance referenced is historical and is no guarantee of future results.

All data is provided as of June 30, 2022.

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn’t provide research on individual equities. 

All index data from FactSet.

The Standard & Poor’s 500 Index (S&P500) is a capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. 
This Research material was prepared by LPL Financial, LLC. All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy.

This Research material was prepared by Brian Ullmann and LPL Financial, LLC. All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Ford Financial Group, a registered investment advisor, and a separate entity from LPL. Tracking 1-05292601

Send in your questions!

]]> CLICK HERE to view the Midyear Outlook Presentation

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. 

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. 

References to markets, asset classes, and sectors are generally regarding the corresponding market index. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. All performance referenced is historical and is no guarantee of future results.

All data is provided as of June 30, 2022.

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn’t provide research on individual equities. 

All index data from FactSet.

The Standard & Poor’s 500 Index (S&P500) is a capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. 
This Research material was prepared by LPL Financial, LLC. All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy.

This Research material was prepared by Brian Ullmann and LPL Financial, LLC. All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Ford Financial Group, a registered investment advisor, and a separate entity from LPL. Tracking 1-05292601

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]]> Ford Financial Group Buzzsprout-10951103 Fri, 15 Jul 2022 00:00:00 -0700 1195 full false Historically Bad Half for Stocks and Bonds, Does it Get Better? Historically Bad Half for Stocks and Bonds, Does it Get Better? This week, Brian talks about how a historically weak quarter, six months, and year for stocks, bonds, and the two combined is now behind us. 

With stocks and bonds both showing weakness, not surprisingly a 60/40 balanced portfolio that combines the two has also shown weakness. ASince 1976 (the inception of the Bloomberg U.S. Aggregate Bond Index), the second quarter of 2022 was the fifth worst for the S&P 500 Index (“S&P 500”), the fourth weakest for the Bloomberg U.S. Aggregate Bond Index (“Agg”), but the worst quarter for a combination of the two, using a mix of 60% of the S&P 500 and 40% the Agg.

Yet, stocks have historically bounced back strongly from big 2-quarter drops as we just experienced. In fact, after a more than 20% drop over 2 quarters (the S&P 500 Index fell 20.6% in the first half of 2022), the average gain the next 2 quarters has been 21.5%.

Chart: Stocks After Big 2 Quarter Drops

Chart: July one of the strongest months over the last decade

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]]> This week, Brian talks about how a historically weak quarter, six months, and year for stocks, bonds, and the two combined is now behind us. 

With stocks and bonds both showing weakness, not surprisingly a 60/40 balanced portfolio that combines the two has also shown weakness. ASince 1976 (the inception of the Bloomberg U.S. Aggregate Bond Index), the second quarter of 2022 was the fifth worst for the S&P 500 Index (“S&P 500”), the fourth weakest for the Bloomberg U.S. Aggregate Bond Index (“Agg”), but the worst quarter for a combination of the two, using a mix of 60% of the S&P 500 and 40% the Agg.

Yet, stocks have historically bounced back strongly from big 2-quarter drops as we just experienced. In fact, after a more than 20% drop over 2 quarters (the S&P 500 Index fell 20.6% in the first half of 2022), the average gain the next 2 quarters has been 21.5%.

Chart: Stocks After Big 2 Quarter Drops

Chart: July one of the strongest months over the last decade

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]]> Ford Financial Group Buzzsprout-10929096 Fri, 08 Jul 2022 14:00:00 -0700 867 full false Rate Hikes and Stock Market Limbo Rate Hikes and Stock Market Limbo Last week the Federal Reserve announced its first 0.75% move since November 1994. The possibility of a 0.75% hike seemed unlikely even a week ago, but an upside surprise in the latest reading of Consumer Price Index (CPI) index inflation, released on Friday, June 10, changed everything as short-term yields soared and market-implied rate hike expectations climbed higher.

This week Brian talks about how the Fed still has to remain credibly committed to bringing down inflation and how it's not an easy fit between what they may have to do to bring down inflation and the soft landing they’re trying to achieve. 

Bad Half Chart

Bad Quarter Chart

Bad Weeks Chart

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]]> Last week the Federal Reserve announced its first 0.75% move since November 1994. The possibility of a 0.75% hike seemed unlikely even a week ago, but an upside surprise in the latest reading of Consumer Price Index (CPI) index inflation, released on Friday, June 10, changed everything as short-term yields soared and market-implied rate hike expectations climbed higher.

This week Brian talks about how the Fed still has to remain credibly committed to bringing down inflation and how it's not an easy fit between what they may have to do to bring down inflation and the soft landing they’re trying to achieve. 

Bad Half Chart

Bad Quarter Chart

Bad Weeks Chart

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]]> Buzzsprout-10837529 Wed, 22 Jun 2022 10:00:00 -0700 880 full false Bear Market Bonus! Bear Market Bonus! In this bonus episode, Brian discusses some of the questions asked of him in a recent interview relating to the stock market drop, bear markets, recessions, inflation, and interest rates.

Check out the interview here:  CBS47 Interview

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]]> In this bonus episode, Brian discusses some of the questions asked of him in a recent interview relating to the stock market drop, bear markets, recessions, inflation, and interest rates.

Check out the interview here:  CBS47 Interview

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]]> Ford Financial Group Buzzsprout-10793469 Tue, 14 Jun 2022 12:00:00 -0700 1012 full false Was that the Low? Was that the Low? Stocks rallied hard the prior week week, as the S&P 500 Index broke a seven week losing streak in resounding fashion; its 6.6% gain was the best since November 2020. That strong response from equities, following one of the worst starts to the year ever, has many investors questioning, “Was that the low?” While we are certainly open to that possibility, Brian takes a look at why the technical picture suggests volatility is likely to remain elevated in the near term.

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Chart: S&P Resistance

Chart: Midterm Year Bottoms

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]]> Stocks rallied hard the prior week week, as the S&P 500 Index broke a seven week losing streak in resounding fashion; its 6.6% gain was the best since November 2020. That strong response from equities, following one of the worst starts to the year ever, has many investors questioning, “Was that the low?” While we are certainly open to that possibility, Brian takes a look at why the technical picture suggests volatility is likely to remain elevated in the near term.

Sign up for Our June 2022 Webinar: REGISTER HERE

Chart: S&P Resistance

Chart: Midterm Year Bottoms

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]]> Buzzsprout-10734094 Fri, 03 Jun 2022 15:00:00 -0700 1139 full false Difficult Outlook for Consumer Discretionary Difficult Outlook for Consumer Discretionary While the S&P 500 Index has not officially entered bear market territory, plenty of areas of the market have. This week, Brian talks about how the consumer discretionary sector is one of them with a 35% drop from its November 2021 high. And as we heard from some of the biggest retailers during earnings season, the outlook is only getting tougher as energy prices soar and supply chain problems persist.

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Chart: Worst Earnings Season for Consumer Discretionary

Chart: Consumer Discretionary Valuation Compared to S&P 500

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]]> While the S&P 500 Index has not officially entered bear market territory, plenty of areas of the market have. This week, Brian talks about how the consumer discretionary sector is one of them with a 35% drop from its November 2021 high. And as we heard from some of the biggest retailers during earnings season, the outlook is only getting tougher as energy prices soar and supply chain problems persist.

Sign up for Our June 2022 Webinar: REGISTER HERE

Chart: Worst Earnings Season for Consumer Discretionary

Chart: Consumer Discretionary Valuation Compared to S&P 500

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]]> Buzzsprout-10683001 Wed, 25 May 2022 16:00:00 -0700 646 full false Is the 60/40 Portfolio Dead? Is the 60/40 Portfolio Dead? It’s been a tough year so far for a traditional “60/40” portfolio, a portfolio of 60% stocks and 40% bonds. Using the S&P 500 Index and the Bloomberg U.S. Aggregate Bond Index (“Agg”) to represent stocks and bonds, the traditional 60/40 is down 14.0% as of market close on May 11 on a total return basis, which would trail only 2008 as the worst year on record if that’s where we ended the year, but this week Brian explains how the 60/40 portfolio is diversified, and why this recent correction in stocks and bonds set up for a positive outlook for the future.

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]]> It’s been a tough year so far for a traditional “60/40” portfolio, a portfolio of 60% stocks and 40% bonds. Using the S&P 500 Index and the Bloomberg U.S. Aggregate Bond Index (“Agg”) to represent stocks and bonds, the traditional 60/40 is down 14.0% as of market close on May 11 on a total return basis, which would trail only 2008 as the worst year on record if that’s where we ended the year, but this week Brian explains how the 60/40 portfolio is diversified, and why this recent correction in stocks and bonds set up for a positive outlook for the future.

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]]> Ford Financial Group Buzzsprout-10614390 Fri, 13 May 2022 15:00:00 -0700 1187 full false Fed Meeting & Jobs Report Recap Fed Meeting & Jobs Report Recap Ford Financial Group on Facebook

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]]> Ford Financial Group on Facebook

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]]> Ford Financial Group Buzzsprout-10571384 Fri, 06 May 2022 10:00:00 -0700 822 full false Time to Talk about Recession Time to Talk about Recession This week Brian gets down to business and talks about the likelihood of a recession this year. Not all recessions are created equal. Previous downturns in the U.S. were prompted by various shocks, with the most recent recession started by health and government-induced shutdowns. Other recessions started in the corporate sector, whereas some started from commodity shocks. The next one could start from geopolitical tensions. Nonetheless, we think the current business and consumer environments are safe from near-term recession risks.

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This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the view s or strategies discussed are suitable for all investors or w ill yield positiv e outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. 

References to markets, asset classes, and sectors are generally regarding the corresponding market index. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and does not reflect fees, expenses, or sales charges. All performance referenced is historical and is no guarantee of future results. 

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn’t provide research on individual equities . 

All information is believed to be from reliable sources; how ever, LPL Financial makes no representation as to its completenes s or accuracy. 

The U.S. Institute for Supply Managers (ISM) manufacturing index is an economic indicator derived from monthly surveys of private sector companies, and is intended to show the economic health of the U.S. manufacturing sector. A PMI of more than 50 indicates expansion in the manufacturing sector, a reading below 50 indicates contraction, and a reading of 50 indicates no change. 

ISM Non-Manufacturing PMI (Services) is based on surveys of more than 400 non-manufacturing firms’ purchasing and supply executives. 

All index data fromFactSet.

Send in your questions!

]]> This week Brian gets down to business and talks about the likelihood of a recession this year. Not all recessions are created equal. Previous downturns in the U.S. were prompted by various shocks, with the most recent recession started by health and government-induced shutdowns. Other recessions started in the corporate sector, whereas some started from commodity shocks. The next one could start from geopolitical tensions. Nonetheless, we think the current business and consumer environments are safe from near-term recession risks.

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This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the view s or strategies discussed are suitable for all investors or w ill yield positiv e outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. 

References to markets, asset classes, and sectors are generally regarding the corresponding market index. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and does not reflect fees, expenses, or sales charges. All performance referenced is historical and is no guarantee of future results. 

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn’t provide research on individual equities . 

All information is believed to be from reliable sources; how ever, LPL Financial makes no representation as to its completenes s or accuracy. 

The U.S. Institute for Supply Managers (ISM) manufacturing index is an economic indicator derived from monthly surveys of private sector companies, and is intended to show the economic health of the U.S. manufacturing sector. A PMI of more than 50 indicates expansion in the manufacturing sector, a reading below 50 indicates contraction, and a reading of 50 indicates no change. 

ISM Non-Manufacturing PMI (Services) is based on surveys of more than 400 non-manufacturing firms’ purchasing and supply executives. 

All index data fromFactSet.

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]]> Buzzsprout-10510606 Fri, 29 Apr 2022 00:00:00 -0700 1017 full false Markets Drop on Continued Inflation Concerns Markets Drop on Continued Inflation Concerns For the third straight week, the U.S. market indexes finished lower as the continued Eastern European conflict along with inflation concerns renewed investor worries about future corporate profits.  This week Brian recaps the difficult April for markets, and how bonds may not be offering the protection some investors are looking for.

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]]> For the third straight week, the U.S. market indexes finished lower as the continued Eastern European conflict along with inflation concerns renewed investor worries about future corporate profits.  This week Brian recaps the difficult April for markets, and how bonds may not be offering the protection some investors are looking for.

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]]> Ford Financial Group Buzzsprout-10500661 Mon, 25 Apr 2022 10:00:00 -0700 796 full false What Will Ease Inflation? What Will Ease Inflation? The US Labor Department reported this week that the March 2022 inflation metrics soared to highs last seen in December 1981.  After rising 1.2% from a month ago, prices are now 8.5% above last year and over 11% above March 2020. This week Brian discussed what categories in the inflation report could lead the way on bringing these eye-popping numbers back down.

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]]> The US Labor Department reported this week that the March 2022 inflation metrics soared to highs last seen in December 1981.  After rising 1.2% from a month ago, prices are now 8.5% above last year and over 11% above March 2020. This week Brian discussed what categories in the inflation report could lead the way on bringing these eye-popping numbers back down.

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]]> Ford Financial Group Buzzsprout-10425989 Thu, 14 Apr 2022 00:00:00 -0700 779 full false Is the Yield Curve Signaling Recession? Is the Yield Curve Signaling Recession? One of the biggest stories over the past few weeks has been the inversion of various points on the U.S. Treasury yield curve. The more well-known 2-year/10-year yield curve spread inverted on April 1, 2022 for the first time since 2019, while the 5-year/30-year inverted for the first time since 2006 on March 28.

What is a yield curve? The yield curve plots the yield of different maturity bonds, usually Treasuries. In normal times, a longer dated bond should have a higher yield than a shorter dated bond. Historically, after key parts of the yield curve invert, the economy eventually has moved into a recession. This week, Brian talked about why these signals are quite important.

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]]> One of the biggest stories over the past few weeks has been the inversion of various points on the U.S. Treasury yield curve. The more well-known 2-year/10-year yield curve spread inverted on April 1, 2022 for the first time since 2019, while the 5-year/30-year inverted for the first time since 2006 on March 28.

What is a yield curve? The yield curve plots the yield of different maturity bonds, usually Treasuries. In normal times, a longer dated bond should have a higher yield than a shorter dated bond. Historically, after key parts of the yield curve invert, the economy eventually has moved into a recession. This week, Brian talked about why these signals are quite important.

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]]> Ford Financial Group Buzzsprout-10399723 Fri, 08 Apr 2022 00:00:00 -0700 1250 full false The Yellow Caution Light is Flashing The Yellow Caution Light is Flashing This week, Brian first talks about how stocks have rallied back nicely over the past couple of weeks, with the S&P 500 up more than 10% off its March 14 low. While some would suggest that the market is sniffing out a potential compromise to end Russia’s military aggression in Ukraine, which is certainly possible, that’s probably not the whole story. Corporate profits may be another element of the bulls’ thinking in driving the latest rebound.

Next, Brian discusses how the Conference Board has downwardly revised four of the last five months, indicating a deep crack in consumer confidence. Consumers are feeling the headwinds from lingering supply constraints, rising rates, and persistent inflation, causing an economic "yellow light" of caution to flash.

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]]> This week, Brian first talks about how stocks have rallied back nicely over the past couple of weeks, with the S&P 500 up more than 10% off its March 14 low. While some would suggest that the market is sniffing out a potential compromise to end Russia’s military aggression in Ukraine, which is certainly possible, that’s probably not the whole story. Corporate profits may be another element of the bulls’ thinking in driving the latest rebound.

Next, Brian discusses how the Conference Board has downwardly revised four of the last five months, indicating a deep crack in consumer confidence. Consumers are feeling the headwinds from lingering supply constraints, rising rates, and persistent inflation, causing an economic "yellow light" of caution to flash.

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]]> Ford Financial Group Buzzsprout-10354487 Fri, 01 Apr 2022 00:00:00 -0700 891 full false How Bonds and Stocks Bounce Back How Bonds and Stocks Bounce Back Core fixed income returns are off to one of the worst starts to a year ever.  However, this week Brian discusses one of the positive characteristics of many fixed income investments is that we have a fairly good idea what to expect out of prospective fixed income returns and that is starting yields.

Also, after their recent rebound, stocks are only down about 6% from record highs in January based on the S&P 500 Index. It’s fair to say stocks have been resilient in the face of may obvious challenges. So why haven’t stocks fared worse? In this episode Brian also discusses how there are two ways stocks can rise, either more earnings or higher valuations. This year has been all about earnings and we must look no further than interest rates to see why.

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]]> Core fixed income returns are off to one of the worst starts to a year ever.  However, this week Brian discusses one of the positive characteristics of many fixed income investments is that we have a fairly good idea what to expect out of prospective fixed income returns and that is starting yields.

Also, after their recent rebound, stocks are only down about 6% from record highs in January based on the S&P 500 Index. It’s fair to say stocks have been resilient in the face of may obvious challenges. So why haven’t stocks fared worse? In this episode Brian also discusses how there are two ways stocks can rise, either more earnings or higher valuations. This year has been all about earnings and we must look no further than interest rates to see why.

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]]> Ford Financial Group Buzzsprout-10319125 Fri, 25 Mar 2022 13:00:00 -0700 762 full false Russia, Oil, and the Fed: March 11th Casual Friday Russia, Oil, and the Fed: March 11th Casual Friday This week Ryan and Brian connected to talk about Russia and the war in Ukraine, oil and gas prices, and what might be in store from the Fed next week. 

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]]> This week Ryan and Brian connected to talk about Russia and the war in Ukraine, oil and gas prices, and what might be in store from the Fed next week. 

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]]> Ford Financial Group Buzzsprout-10232642 Fri, 11 Mar 2022 08:00:00 -0800 1414 full false Russia Doesn't Matter as Much as You Think (Economically and Financially) Russia Doesn't Matter as Much as You Think (Economically and Financially) With all eyes on the war in Ukraine, we continue to pray for the safety of the Ukrainian people and the sovereignty of their nation. It’s a tough time to talk economics and markets, but that’s what you come here for so we’ll continue to do our best to help investors make the best possible decisions during these difficult and uncertain times.

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]]> With all eyes on the war in Ukraine, we continue to pray for the safety of the Ukrainian people and the sovereignty of their nation. It’s a tough time to talk economics and markets, but that’s what you come here for so we’ll continue to do our best to help investors make the best possible decisions during these difficult and uncertain times.

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]]> Ford Financial Group Buzzsprout-10208126 Mon, 07 Mar 2022 18:00:00 -0800 669 full false 11 Things To Know About Russia and Ukraine 11 Things To Know About Russia and Ukraine Global stock markets are selling off hard after Russian military forces attacked a broad range of targets across Ukraine last night while Russian President Putin vowed to replace Ukraine’s government. Brian talks about what it might mean for stocks and the economy?

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]]> Global stock markets are selling off hard after Russian military forces attacked a broad range of targets across Ukraine last night while Russian President Putin vowed to replace Ukraine’s government. Brian talks about what it might mean for stocks and the economy?

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]]> Ford Financial Group Buzzsprout-10138153 Thu, 24 Feb 2022 12:00:00 -0800 845 full false How Many Seats Could The Democrats Lose In November? How Many Seats Could The Democrats Lose In November? One of the most popular questions we’ve received lately is what could happen in the upcoming midterm election? Although we are a long way away from Election Day, it is important to note that a new president has historically lost about 30 House seats in the midterm election. This week Brian discusses how, with the Democrats holding a historically small majority in the House currently, a swing this size would give the Republicans control and what that could mean for markets.

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]]> One of the most popular questions we’ve received lately is what could happen in the upcoming midterm election? Although we are a long way away from Election Day, it is important to note that a new president has historically lost about 30 House seats in the midterm election. This week Brian discusses how, with the Democrats holding a historically small majority in the House currently, a swing this size would give the Republicans control and what that could mean for markets.

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]]> Ford Financial Group Buzzsprout-10087481 Fri, 18 Feb 2022 00:00:00 -0800 569 full false Inflation Surprise Shifts Fed Expectations and S&P 500 Technical Setup Inflation Surprise Shifts Fed Expectations and S&P 500 Technical Setup Should we be surprised at inflation surprises at this point? This week Brian discusses how the Consumer Price Index (CPI), the most well known measure of inflation, climbed 7.5% over the last year through January, its highest reading since 1982, according to data released this morning by the Labor Department.

Also, we talk technicals for the S&P 500, and whether a retest of the lows forthcoming.

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]]> Should we be surprised at inflation surprises at this point? This week Brian discusses how the Consumer Price Index (CPI), the most well known measure of inflation, climbed 7.5% over the last year through January, its highest reading since 1982, according to data released this morning by the Labor Department.

Also, we talk technicals for the S&P 500, and whether a retest of the lows forthcoming.

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]]> Ford Financial Group Buzzsprout-10058149 Fri, 11 Feb 2022 12:00:00 -0800 953 full false What a Big Down January Means for Stocks What a Big Down January Means for Stocks There’s an old adage on Wall Street that suggests, “As goes January, so goes the year,” and it has an impressive track record.  Simply put, when the first month of the year was green, it bodes well for the rest of the year (and vice versa). This week, Brian talks about how worried investors should be, given stocks closed red in January.

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]]> There’s an old adage on Wall Street that suggests, “As goes January, so goes the year,” and it has an impressive track record.  Simply put, when the first month of the year was green, it bodes well for the rest of the year (and vice versa). This week, Brian talks about how worried investors should be, given stocks closed red in January.

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]]> Ford Financial Group Buzzsprout-9992966 Tue, 01 Feb 2022 10:00:00 -0800 674 full false Have We Reached The In Peak Omicron Cases? Have We Reached The In Peak Omicron Cases? Have we reached the peak in new COVID-19 cases in the United States linked to the Omicron variant, and how is its rapid spread affecting U.S. consumer behavior? This week we look to high-frequency data for early clues and see that Omicron appears to be moderating behavior in a similar way that Delta did in the fall of 2021.

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]]> Have we reached the peak in new COVID-19 cases in the United States linked to the Omicron variant, and how is its rapid spread affecting U.S. consumer behavior? This week we look to high-frequency data for early clues and see that Omicron appears to be moderating behavior in a similar way that Delta did in the fall of 2021.

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]]> Ford Financial Group Buzzsprout-9923849 Fri, 21 Jan 2022 00:00:00 -0800 688 full false Bonus: Casual Friday Returns! Bonus: Casual Friday Returns! The Casual Friday webcast made it's return this week, where Eric and Brian reviewed 4 interesting charts from the week, including charts examining the low volatility of last year, the new record high on the first day of the year, the presidential cycle, and whether Tom Brady is actually a good predictor of market returns. If you missed the webcast, click below to subscribe on our Facebook and YouTube pages.

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]]> The Casual Friday webcast made it's return this week, where Eric and Brian reviewed 4 interesting charts from the week, including charts examining the low volatility of last year, the new record high on the first day of the year, the presidential cycle, and whether Tom Brady is actually a good predictor of market returns. If you missed the webcast, click below to subscribe on our Facebook and YouTube pages.

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]]> Ford Financial Group Buzzsprout-9848784 Sat, 08 Jan 2022 00:00:00 -0800 1370 full false What Core Bond Investors Could Expect in 2022 What Core Bond Investors Could Expect in 2022 Fixed income investors aren’t used to negative total returns for core fixed income (as measured by the Bloomberg U.S. Aggregate Bond Index) but that's exactly what happened in 2021. Last year, rising interest rates were a headwind to bond prices that more than offset the positive returns from coupon income. As such, the index was down -1.5% for the year, which was only the fourth negative returning calendar year since the index’s 1976 inception—and the first since 2013. This week, Brian discusses what is likely in store for core fixed income returns in 2022

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]]> Fixed income investors aren’t used to negative total returns for core fixed income (as measured by the Bloomberg U.S. Aggregate Bond Index) but that's exactly what happened in 2021. Last year, rising interest rates were a headwind to bond prices that more than offset the positive returns from coupon income. As such, the index was down -1.5% for the year, which was only the fourth negative returning calendar year since the index’s 1976 inception—and the first since 2013. This week, Brian discusses what is likely in store for core fixed income returns in 2022

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]]> Ford Financial Group Buzzsprout-9831759 Fri, 07 Jan 2022 00:00:00 -0800 687 full false Outlook 2022 Outlook 2022 During the early COVID economic recovery we’ve had a helping hand from fiscal and monetary policy that saw us through a period of unique challenges. In our 2022 Outlook, Brian discusses how the economy may be ready for a handoff, back to a greater emphasis on the choices of households and businesses.

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]]> During the early COVID economic recovery we’ve had a helping hand from fiscal and monetary policy that saw us through a period of unique challenges. In our 2022 Outlook, Brian discusses how the economy may be ready for a handoff, back to a greater emphasis on the choices of households and businesses.

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]]> Ford Financial Group Buzzsprout-9807422 Sat, 01 Jan 2022 08:00:00 -0800 909 full false Powell Pivot: The Federal Reserve Meeting Recap Powell Pivot: The Federal Reserve Meeting Recap The Federal Reserve (Fed) ended its two-day Federal Open Market Committee (FOMC) meeting yesterday and there were some notable shifts to monetary policy. Although these shifts were largely expected by markets, this week Brian explains how the shift was a bit more hawkish than some investors anticipated.

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]]> The Federal Reserve (Fed) ended its two-day Federal Open Market Committee (FOMC) meeting yesterday and there were some notable shifts to monetary policy. Although these shifts were largely expected by markets, this week Brian explains how the shift was a bit more hawkish than some investors anticipated.

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]]> Ford Financial Group Buzzsprout-9732783 Fri, 17 Dec 2021 00:00:00 -0800 601 full false Will Omicron Ruin the Santa Rally? Will Omicron Ruin the Santa Rally? This week Brian discusses how, after 29 consecutive days without a single 1% move higher or lower for the S&P 500 Index, news of Omicron broke the Friday after Thanksgiving and as a result, five consecutive days saw at least a 1% move up or down. Clearly Omicron and the uncertainty it brought with it showed everyone that stocks can’t stay calm forever.

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]]> This week Brian discusses how, after 29 consecutive days without a single 1% move higher or lower for the S&P 500 Index, news of Omicron broke the Friday after Thanksgiving and as a result, five consecutive days saw at least a 1% move up or down. Clearly Omicron and the uncertainty it brought with it showed everyone that stocks can’t stay calm forever.

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]]> Ford Financial Group Buzzsprout-9674726 Mon, 06 Dec 2021 14:00:00 -0800 436 full false A Peek at Peak Inflation A Peek at Peak Inflation After an upside inflation surprise in October, it’s clear that peak inflation may still be ahead, possibly even pushing into 2022. While the Federal Reserve (Fed) maintains its position that elevated inflation will be transitory, we have yet to see progress. This week Brian looks at five signs to watch for over the next several months that may signal that inflation may be near or at its peak.

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]]> After an upside inflation surprise in October, it’s clear that peak inflation may still be ahead, possibly even pushing into 2022. While the Federal Reserve (Fed) maintains its position that elevated inflation will be transitory, we have yet to see progress. This week Brian looks at five signs to watch for over the next several months that may signal that inflation may be near or at its peak.

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]]> Ford Financial Group Buzzsprout-9553852 Fri, 26 Nov 2021 00:00:00 -0800 830 full false Inflation Blowout! Inflation Blowout! The latest inflation (CPI) numbers surprised to the upside, creating more headaches for the Fed on how, and when, to respond. It’s looking more and more likely that ‘sticky’ rent inflation, increasing strength in the labor market, continuing supply chain disruptions, and increasing consumer demand could now push the Fed’s ‘transitory’ timeframe well into 2022. This week Ryan and Brian dig in on why we have this higher than average inflation rate, and how long they think it may last.

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]]> The latest inflation (CPI) numbers surprised to the upside, creating more headaches for the Fed on how, and when, to respond. It’s looking more and more likely that ‘sticky’ rent inflation, increasing strength in the labor market, continuing supply chain disruptions, and increasing consumer demand could now push the Fed’s ‘transitory’ timeframe well into 2022. This week Ryan and Brian dig in on why we have this higher than average inflation rate, and how long they think it may last.

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]]> Ford Financial Group Buzzsprout-9539180 Fri, 19 Nov 2021 00:00:00 -0800 1326 full false Why Investors Should be Thankful Why Investors Should be Thankful As we reach the home stretch of 2021, there is a lot to be thankful for. Stocks are having an amazing year, the economy is improving, and COVID-19 trends are going the right direction. This week, Brian looks at some reasons to be thankful.

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]]> As we reach the home stretch of 2021, there is a lot to be thankful for. Stocks are having an amazing year, the economy is improving, and COVID-19 trends are going the right direction. This week, Brian looks at some reasons to be thankful.

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]]> Ford Financial Group Buzzsprout-9539007 Fri, 12 Nov 2021 10:00:00 -0800 414 full false 5 Things that Might Spook Markets 5 Things that Might Spook Markets With Halloween over the weekend, what better time to talk about what scares us? If our positive near-term market outlook proves to be overly optimistic, we believe one (or perhaps more than one) of these five things will likely be the culprit: inflation, an aggressive Federal Reserve, profit margin pressures, pulling forward of seasonal gains, and potentially overly bullish sentiment. 

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]]> With Halloween over the weekend, what better time to talk about what scares us? If our positive near-term market outlook proves to be overly optimistic, we believe one (or perhaps more than one) of these five things will likely be the culprit: inflation, an aggressive Federal Reserve, profit margin pressures, pulling forward of seasonal gains, and potentially overly bullish sentiment. 

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]]> Ford Financial Group Buzzsprout-9471788 Mon, 01 Nov 2021 12:00:00 -0700 647 full false Bonus: Bonds Worry Over Debt Ceiling Bonus: Bonds Worry Over Debt Ceiling In this bonus episode, Brian discusses the debt limit, or debt ceiling, and how Congress' failure to solve the problem in a timely manner is creating volatility in markets.

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]]> In this bonus episode, Brian discusses the debt limit, or debt ceiling, and how Congress' failure to solve the problem in a timely manner is creating volatility in markets.

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]]> Ford Financial Group Buzzsprout-9324360 Thu, 07 Oct 2021 00:00:00 -0700 475 full false September Slide September Slide This week, Brian looks back at the rough month for investors in September.

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]]> This week, Brian looks back at the rough month for investors in September.

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]]> Ford Financial Group Buzzsprout-9324117 Wed, 06 Oct 2021 13:00:00 -0700 836 full false Fearing the Dip Fearing the Dip This week, Brian talks about the danger of being a reactionary investor when markets get turbulent, as they did last week.

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]]> This week, Brian talks about the danger of being a reactionary investor when markets get turbulent, as they did last week.

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]]> Ford Financial Group Buzzsprout-9174970 Mon, 13 Sep 2021 00:00:00 -0700 621 full false Creating a Household Budget Creating a Household Budget If you're in search of financial independence, the first place you must start is by working on a budget for you and your family. Keeping track of spending - so you can understand your habits and spend more wisely - is an important reason for creating a budget. Budgets help you better understand what you earn, understand where you spend it (you spend more on takeout than you realize), and helps you separate the essential expenses from the non-essential.

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]]> If you're in search of financial independence, the first place you must start is by working on a budget for you and your family. Keeping track of spending - so you can understand your habits and spend more wisely - is an important reason for creating a budget. Budgets help you better understand what you earn, understand where you spend it (you spend more on takeout than you realize), and helps you separate the essential expenses from the non-essential.

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]]> Ford Financial Group Buzzsprout-9093417 Tue, 31 Aug 2021 00:00:00 -0700 973 full false Is Stagflation in the Cards? Is Stagflation in the Cards? The term stagflation has been increasingly circulating in the financial media as inflation readings have risen sharply in recent months. The term is often associated with the 1970s which saw runaway inflation—largely driven by sky-high energy prices—and lackluster economic growth. This week Brian discusses one way to gauge stagflation is to calculate what is commonly referred to as the Misery Index—inflation plus unemployment.

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]]> The term stagflation has been increasingly circulating in the financial media as inflation readings have risen sharply in recent months. The term is often associated with the 1970s which saw runaway inflation—largely driven by sky-high energy prices—and lackluster economic growth. This week Brian discusses one way to gauge stagflation is to calculate what is commonly referred to as the Misery Index—inflation plus unemployment.

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]]> Ford Financial Group Buzzsprout-9025904 Mon, 16 Aug 2021 00:00:00 -0700 643 full false Jobs Report Bucks Trend Of Recent Weak Data Jobs Report Bucks Trend Of Recent Weak Data Investors finally got the strong pop in payrolls many have been calling for, breaking from the string of recent lukewarm jobs reports and weakening data from other segments of the economy that have been stoking peak growth fears. And, yet, while this is an unequivocally bullish jobs report, Brian covers why some questions remain.

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]]> Investors finally got the strong pop in payrolls many have been calling for, breaking from the string of recent lukewarm jobs reports and weakening data from other segments of the economy that have been stoking peak growth fears. And, yet, while this is an unequivocally bullish jobs report, Brian covers why some questions remain.

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]]> Ford Financial Group Buzzsprout-8996704 Mon, 09 Aug 2021 00:00:00 -0700 706 full false Housing Starts Ramp Up, LEI Forecasts Growth Housing Starts Ramp Up, LEI Forecasts Growth This week Brian discusses how Housing Starts are now hovering in the same territory as the highs reached prior to the Great Recession; an economic instance spurred by excess housing activity and high home prices. We also cover the latest reading for the Leading Economic Index (LEI). The index grew 0.7% month over month, a bit slower than the previous three months but still squarely in positive territory.

So has any of this materially changed our view (or the Fed’s) on the great inflation debate? Brian explains.

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]]> This week Brian discusses how Housing Starts are now hovering in the same territory as the highs reached prior to the Great Recession; an economic instance spurred by excess housing activity and high home prices. We also cover the latest reading for the Leading Economic Index (LEI). The index grew 0.7% month over month, a bit slower than the previous three months but still squarely in positive territory.

So has any of this materially changed our view (or the Fed’s) on the great inflation debate? Brian explains.

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]]> Ford Financial Group Buzzsprout-8924997 Mon, 26 Jul 2021 11:00:00 -0700 790 full false Checking in on Inflation Checking in on Inflation This week has provided investors with a fresh batch of data carrying the potential to heavily affect the inflation debate. Tuesday brought us the Consumer Price Index (CPI) for June, while Wednesday saw the release of the Producer Price Index (PPI) for June as well as the start of Federal Reserve (Fed) Chair Jerome Powell’s two-day testimony to Congress providing an update on the economy.

So has any of this materially changed our view (or the Fed’s) on the great inflation debate? Brian explains. 

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]]> This week has provided investors with a fresh batch of data carrying the potential to heavily affect the inflation debate. Tuesday brought us the Consumer Price Index (CPI) for June, while Wednesday saw the release of the Producer Price Index (PPI) for June as well as the start of Federal Reserve (Fed) Chair Jerome Powell’s two-day testimony to Congress providing an update on the economy.

So has any of this materially changed our view (or the Fed’s) on the great inflation debate? Brian explains. 

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]]> Ford Financial Group Buzzsprout-8876427 Mon, 19 Jul 2021 00:00:00 -0700 781 full false Is This the Start of a Correction? Is This the Start of a Correction? The S&P 500 Index closed at a record highs last week, yet investors seem increasingly on edge with the VIX Index, a measure of implied volatility on the S&P 500, spiking nearly 40% at one point. We won’t bury the lead here, Brian's answer to the title is simple: this could be the start of a correction, but we aren’t betting on a significant decline in the S&P 500 and Brian discusses why.

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]]> The S&P 500 Index closed at a record highs last week, yet investors seem increasingly on edge with the VIX Index, a measure of implied volatility on the S&P 500, spiking nearly 40% at one point. We won’t bury the lead here, Brian's answer to the title is simple: this could be the start of a correction, but we aren’t betting on a significant decline in the S&P 500 and Brian discusses why.

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]]> Ford Financial Group Buzzsprout-8846135 Mon, 12 Jul 2021 00:00:00 -0700 607 full false Casual Friday Redux - Manufacturing at Historic Levels Casual Friday Redux - Manufacturing at Historic Levels Summer is in full swing, and so is our "Casual Friday" broadcast! This past Friday as Ryan and Brian recapped the week in markets and review some charts that grabbed their attention.

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]]> Summer is in full swing, and so is our "Casual Friday" broadcast! This past Friday as Ryan and Brian recapped the week in markets and review some charts that grabbed their attention.

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]]> Ford Financial Group Buzzsprout-8765108 Mon, 28 Jun 2021 00:00:00 -0700 2156 full false Did Inflation Worries Just Peak? Did Inflation Worries Just Peak? This week Brian discusses how inflation has soared the past few months, with the May Consumer Price Index (CPI) coming in at 5.0% year-over-year, the highest since 2008, while the core CPI (excluding energy and food) was 3.8%, the highest since 1992. The Bloomberg consensus is calling for 3.4% headline CPI this year, which has many worried about potentially runaway inflation. 

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]]> This week Brian discusses how inflation has soared the past few months, with the May Consumer Price Index (CPI) coming in at 5.0% year-over-year, the highest since 2008, while the core CPI (excluding energy and food) was 3.8%, the highest since 1992. The Bloomberg consensus is calling for 3.4% headline CPI this year, which has many worried about potentially runaway inflation. 

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]]> Ford Financial Group Buzzsprout-8727031 Mon, 21 Jun 2021 00:00:00 -0700 831 full false Casual Friday! Casual Friday! Listen in on our broadcasts from last week as Ryan and Brian talked about the week in markets and reviewed 4 charts for our "Casual Friday" show.

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]]> Listen in on our broadcasts from last week as Ryan and Brian talked about the week in markets and reviewed 4 charts for our "Casual Friday" show.

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]]> Ford Financial Group Buzzsprout-8687240 Mon, 14 Jun 2021 00:00:00 -0700 2182 full false Main Street Sentiment Strongest in Over a Decade Main Street Sentiment Strongest in Over a Decade This week Brian discusses how the U.S. economy is opening up and overall sentiment on Main Street is the strongest it’s been since our earliest analysis in 2005, according to LPL Research’s proprietary Beige Book Barometer (BBB).

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]]> This week Brian discusses how the U.S. economy is opening up and overall sentiment on Main Street is the strongest it’s been since our earliest analysis in 2005, according to LPL Research’s proprietary Beige Book Barometer (BBB).

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]]> Buzzsprout-8655587 Mon, 07 Jun 2021 00:00:00 -0700 586 full false The Relationship Between Treasury Yields and Mortgage Rates. The Relationship Between Treasury Yields and Mortgage Rates. Ford Financial Group on Facebook

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]]> Ford Financial Group on Facebook

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]]> Ford Financial Group Buzzsprout-8606439 Mon, 31 May 2021 00:00:00 -0700 747 full false 5 Investing Principles 5 Investing Principles This week Brian reviews the rocky week we had last week in markets, talks Federal Reserve, and touches on the initial jobless claims numbers. We also reviewed 5 key principles that investors should consider for their portfolios. 

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]]> This week Brian reviews the rocky week we had last week in markets, talks Federal Reserve, and touches on the initial jobless claims numbers. We also reviewed 5 key principles that investors should consider for their portfolios. 

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]]> Ford Financial Group Buzzsprout-8564875 Mon, 24 May 2021 00:00:00 -0700 1540 full false Record Breaking Earnings Record Breaking Earnings With over 90% of S&P 500 companies reporting results, first quarter earnings are tracking to an almost 50% year-over-year increase. In addition, S&P 500 revenue is on track to increase 10% year over year, which is more than 4% above the March 31 estimate and the largest upside surprise FactSet has ever recorded. This week Brian discusses the impact of this record earnings season, and what that mean as we go forward.

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]]> With over 90% of S&P 500 companies reporting results, first quarter earnings are tracking to an almost 50% year-over-year increase. In addition, S&P 500 revenue is on track to increase 10% year over year, which is more than 4% above the March 31 estimate and the largest upside surprise FactSet has ever recorded. This week Brian discusses the impact of this record earnings season, and what that mean as we go forward.

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]]> Ford Financial Group Buzzsprout-8522505 Mon, 17 May 2021 00:00:00 -0700 627 full false Disappointing April Jobs Data Disappointing April Jobs Data This week Brian discusses how investors betting on a continued acceleration in U.S. payrolls in April following March’s impressive numbers received an unwelcome reminder of just how choppy the data can be month-to-month.

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]]> This week Brian discusses how investors betting on a continued acceleration in U.S. payrolls in April following March’s impressive numbers received an unwelcome reminder of just how choppy the data can be month-to-month.

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]]> Ford Financial Group Buzzsprout-8480144 Mon, 10 May 2021 00:00:00 -0700 587 full false Sell in May and Go Away? Sell in May and Go Away? One of the best known investment axioms is to “sell in May and go away.” This is largely because the six months from May through October have historically been some of the weakest months of the year for stocks. This week Brian discusses how the next six months have tended to be on the weak side, but does that mean investors should run for the hills?

CLICK HERE for the first LPL chart mentioned in the episode.

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]]> One of the best known investment axioms is to “sell in May and go away.” This is largely because the six months from May through October have historically been some of the weakest months of the year for stocks. This week Brian discusses how the next six months have tended to be on the weak side, but does that mean investors should run for the hills?

CLICK HERE for the first LPL chart mentioned in the episode.

CLICK HERE for the second LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-8450747 Mon, 03 May 2021 09:00:00 -0700 833 full false Accelerating Leading Economic Indicators (LEI) Accelerating Leading Economic Indicators (LEI) Ford Financial Group on Facebook

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]]> Ford Financial Group on Facebook

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]]> Ford Financial Group Buzzsprout-8408091 Mon, 26 Apr 2021 10:00:00 -0700 765 full false Spring Cleaning & Goldilocks First Quarter Spring Cleaning & Goldilocks First Quarter Stocks have kicked off the year in a strong fashion, and history shows this may give reason to be optimistic for the rest of the year. After a solid—but certainly turbulent—year in 2020, the S&P 500 Index has continued to set new all-time highs in 2021, returning 5.8% in the first quarter.

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]]> Stocks have kicked off the year in a strong fashion, and history shows this may give reason to be optimistic for the rest of the year. After a solid—but certainly turbulent—year in 2020, the S&P 500 Index has continued to set new all-time highs in 2021, returning 5.8% in the first quarter.

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]]> Ford Financial Group Buzzsprout-8321503 Mon, 12 Apr 2021 12:00:00 -0700 843 full false 12 Common Financial Mistakes to Avoid 12 Common Financial Mistakes to Avoid This week Brian reviews market performance from last week's holiday-shortened week, discusses the impressive jobs numbers reported last week, and digs in on 12 common financial mistakes you should avoid that could hinder your ability to grow your wealth.

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]]> This week Brian reviews market performance from last week's holiday-shortened week, discusses the impressive jobs numbers reported last week, and digs in on 12 common financial mistakes you should avoid that could hinder your ability to grow your wealth.

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]]> Ford Financial Group Buzzsprout-8275615 Mon, 05 Apr 2021 10:00:00 -0700 1343 full false Covid-19 Update with Dr. Bill and Transamerica Covid-19 Update with Dr. Bill and Transamerica This week you get to listen in on the audio recording of last week's webinar with Dr. Bill Lloyd, the Health Director of Transamerica's Advanced Markets Group, where he and Brian covered and overview of the pandemic as it stands today and what scientists have learned about transmission. They also covered how the different vaccines work, and what kinds of steps you still need to take to protect yourself, your family, and your neighbors... even if you have already received a dose (or two) of a vaccine. 


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]]> This week you get to listen in on the audio recording of last week's webinar with Dr. Bill Lloyd, the Health Director of Transamerica's Advanced Markets Group, where he and Brian covered and overview of the pandemic as it stands today and what scientists have learned about transmission. They also covered how the different vaccines work, and what kinds of steps you still need to take to protect yourself, your family, and your neighbors... even if you have already received a dose (or two) of a vaccine. 


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]]> Ford Financial Group Buzzsprout-8205459 Mon, 29 Mar 2021 00:00:00 -0700 2219 full false Leading Indicators Remain Stubbornly Tepid Leading Indicators Remain Stubbornly Tepid In almost every direction we turn, we see optimism mounting over a mid-2021 economic re-acceleration. Unfortunately, it seems we will have to wait at least another month for that optimism to make their way into leading economic indicators in a major way.

This week Brian discusses how the Conference Board released its February 2021 report detailing the latest reading for its Leading Economic Index (LEI), a composite of ten data series that tend to lead changes in economic activity. Many economic data points are backward looking, but we pay special attention to the LEI, as it has a forward looking tilt to it. The index grew for the tenth month in a row, up 0.2% month over month in February, a decrease from January’s 0.5% pace.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> In almost every direction we turn, we see optimism mounting over a mid-2021 economic re-acceleration. Unfortunately, it seems we will have to wait at least another month for that optimism to make their way into leading economic indicators in a major way.

This week Brian discusses how the Conference Board released its February 2021 report detailing the latest reading for its Leading Economic Index (LEI), a composite of ten data series that tend to lead changes in economic activity. Many economic data points are backward looking, but we pay special attention to the LEI, as it has a forward looking tilt to it. The index grew for the tenth month in a row, up 0.2% month over month in February, a decrease from January’s 0.5% pace.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-8191231 Mon, 22 Mar 2021 15:00:00 -0700 769 full false March Madness: Stock Market Edition March Madness: Stock Market Edition With the NCAA college basketball tournament getting underway this week, FFG & LPL Research is getting in the spirit with its own version of March Madness. Here we share our “Final Four Factors” for the stock market in 2021: Vaccines, Policy, Profits, and Rates. While we see several strong competitors in this field, we believe the likely winner of this tournament is clear, and it will push stocks higher over the balance of the year.

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]]> With the NCAA college basketball tournament getting underway this week, FFG & LPL Research is getting in the spirit with its own version of March Madness. Here we share our “Final Four Factors” for the stock market in 2021: Vaccines, Policy, Profits, and Rates. While we see several strong competitors in this field, we believe the likely winner of this tournament is clear, and it will push stocks higher over the balance of the year.

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]]> Ford Financial Group Buzzsprout-8146452 Mon, 15 Mar 2021 13:00:00 -0700 1079 full false Jobs Market Gets Reopening Boost Jobs Market Gets Reopening Boost US payrolls grew at a solid clip month over month in February, as progress in the vaccine distribution process appeared to boost growth by enabling more of the economy to reopen. Our opinion has always been that until we have achieved widespread vaccine distribution, the in-person segments of the labor market will be slow to recover losses from a year ago. This week Brian discusses how we are becoming increasingly bullish on the prospect for a 2021 economic re-acceleration, and we are heartened that the hardest hit segments of the jobs market may be beginning to reflect that view.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> US payrolls grew at a solid clip month over month in February, as progress in the vaccine distribution process appeared to boost growth by enabling more of the economy to reopen. Our opinion has always been that until we have achieved widespread vaccine distribution, the in-person segments of the labor market will be slow to recover losses from a year ago. This week Brian discusses how we are becoming increasingly bullish on the prospect for a 2021 economic re-acceleration, and we are heartened that the hardest hit segments of the jobs market may be beginning to reflect that view.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-8102189 Mon, 08 Mar 2021 12:00:00 -0800 1039 full false Forecasting 2021 with Meera Pandit from JPMorgan's Global Market Insights Strategy Team Forecasting 2021 with Meera Pandit from JPMorgan's Global Market Insights Strategy Team This week Brian is joined by a special guest, Meera Pandit from the Global Market Insights Strategy Team at JPMorgan Asset Management. Meera is responsible for  conducting research on the global economy and capital markets, and is also part of the publication team that produces the JPMorgan Guide to the Markets.

Meera has been with her firm for more than a decade, is a CFA charterholder and earned her bachelors degree from Tufts University. She was also featured as Market Watch's "Forecaster of the Month" in February 2020.

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]]> This week Brian is joined by a special guest, Meera Pandit from the Global Market Insights Strategy Team at JPMorgan Asset Management. Meera is responsible for  conducting research on the global economy and capital markets, and is also part of the publication team that produces the JPMorgan Guide to the Markets.

Meera has been with her firm for more than a decade, is a CFA charterholder and earned her bachelors degree from Tufts University. She was also featured as Market Watch's "Forecaster of the Month" in February 2020.

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]]> Ford Financial Group Buzzsprout-8035591 Mon, 01 Mar 2021 00:00:00 -0800 1494 full false One Year Later: 3 Lessons Learned Since Market Peak One Year Later: 3 Lessons Learned Since Market Peak Last Friday marked one year since the market began to price in the effects that COVID-19 would have on the world. The old market adage “stairs up, elevator down” certainly rang true over the coming weeks, as the S&P 500 recorded the fastest bear market (closing 20% below a previous all-time high) in history, accomplishing that feat in a mere 16 days. This week, Brian discusses three lessons that we learned (or at least reminded of) from the market peak and subsequent crater that investors experienced last year.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> Last Friday marked one year since the market began to price in the effects that COVID-19 would have on the world. The old market adage “stairs up, elevator down” certainly rang true over the coming weeks, as the S&P 500 recorded the fastest bear market (closing 20% below a previous all-time high) in history, accomplishing that feat in a mere 16 days. This week, Brian discusses three lessons that we learned (or at least reminded of) from the market peak and subsequent crater that investors experienced last year.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-7972105 Mon, 22 Feb 2021 00:00:00 -0800 811 full false Bonus Episode! Inflation Worries? Bonus Episode! Inflation Worries? This week, Brian talks about the growing debate over whether an expanding economy, in conjunction with historic fiscal and monetary policies, may cause inflation to overheat. This begs the question, will we see a reflationary environment—where prices will merely normalize to prior levels—or outright inflation—where consumer prices begin to increase above trend?

CLICK HERE for the LPL chart mentioned in the episode.

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]]> This week, Brian talks about the growing debate over whether an expanding economy, in conjunction with historic fiscal and monetary policies, may cause inflation to overheat. This begs the question, will we see a reflationary environment—where prices will merely normalize to prior levels—or outright inflation—where consumer prices begin to increase above trend?

CLICK HERE for the LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-7830598 Wed, 17 Feb 2021 00:00:00 -0800 617 full false Inflation Expectations Highest Since 2014 Inflation Expectations Highest Since 2014 This week Brian discusses how the 10-year breakeven inflation rate, a market-based measure of inflation expectations, hit its highest level last Friday, February 5, since 2014.


CLICK HERE for the LPL chart mentioned in the episode.

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]]> This week Brian discusses how the 10-year breakeven inflation rate, a market-based measure of inflation expectations, hit its highest level last Friday, February 5, since 2014.


CLICK HERE for the LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-7871482 Mon, 15 Feb 2021 00:00:00 -0800 932 full false US Jobs Seek Shot in the Arm US Jobs Seek Shot in the Arm This week, Brian talks about how US payrolls grew month over month in January following a brief dip into negative territory in December. Peering under the hood, though, this report did little to dispel the notion that the labor market’s recovery has been stalling out, and likely bolsters calls for additional fiscal stimulus.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> This week, Brian talks about how US payrolls grew month over month in January following a brief dip into negative territory in December. Peering under the hood, though, this report did little to dispel the notion that the labor market’s recovery has been stalling out, and likely bolsters calls for additional fiscal stimulus.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-7751764 Mon, 08 Feb 2021 14:00:00 -0800 836 full false Fed Support & Gamestop Craziness Fed Support & Gamestop Craziness This week Brian reviews the Fed's renewed commitment to continue its asset purchasing program and its emphasis on maximum employment over price stability. We also cover some of the incredible action from some of the most heavily shorted names, which has investors everywhere wondering "what does this all mean?"

CLICK HERE for the first LPL chart mentioned in the episode.

CLICK HERE for the second LPL chart mentioned in the episode.

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]]> This week Brian reviews the Fed's renewed commitment to continue its asset purchasing program and its emphasis on maximum employment over price stability. We also cover some of the incredible action from some of the most heavily shorted names, which has investors everywhere wondering "what does this all mean?"

CLICK HERE for the first LPL chart mentioned in the episode.

CLICK HERE for the second LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-7544983 Mon, 01 Feb 2021 00:00:00 -0800 930 full false Mortgage Rates Fall as Housing Market Booms Mortgage Rates Fall as Housing Market Booms This week Brian discusses how earlier this year, mortgage rates followed the 10-year Treasury yield lower to register an all-time low value of 3.3%. Fueled by additional purchases of mortgage-backed securities (MBS) by the Fed, mortgage spreads have narrowed while Treasury yields remain at depressed levels, only recently trading above 1%. As shown in the LPL Chart of the Day, the average rate on a 30-year fixed rate mortgage has continued to fall, now trading at just 2.88% according to Bankrate.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> This week Brian discusses how earlier this year, mortgage rates followed the 10-year Treasury yield lower to register an all-time low value of 3.3%. Fueled by additional purchases of mortgage-backed securities (MBS) by the Fed, mortgage spreads have narrowed while Treasury yields remain at depressed levels, only recently trading above 1%. As shown in the LPL Chart of the Day, the average rate on a 30-year fixed rate mortgage has continued to fall, now trading at just 2.88% according to Bankrate.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> Ford Financial Group Buzzsprout-7420345 Mon, 25 Jan 2021 00:00:00 -0800 686 full false Small Business Optimism Falls to Recovery Low Small Business Optimism Falls to Recovery Low Where are my tax forms? This week brian reviews our tax form release schedule, and also covers how the rise in COVID-19 cases in the fourth quarter of 2020 and the subsequent rise in restrictions implemented by state and local governments have taken a toll particularly on small businesses, pushing the Uncertainty Index component of the survey 8 points below the 6-month average.

CLICK HERE for the LPL chart mentioned in the episode.

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]]> Where are my tax forms? This week brian reviews our tax form release schedule, and also covers how the rise in COVID-19 cases in the fourth quarter of 2020 and the subsequent rise in restrictions implemented by state and local governments have taken a toll particularly on small businesses, pushing the Uncertainty Index component of the survey 8 points below the 6-month average.

CLICK HERE for the LPL chart mentioned in the episode.

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Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
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]]> Ford Financial Group Buzzsprout-7299655 Mon, 18 Jan 2021 23:00:00 -0800 964 full false Equity Winners and Losers in 2020 Equity Winners and Losers in 2020 2020 was a good year for stock investors despite unprecedented challenges.

After being down more than 30% at the March 2020 lows, the S&P 500 Index ended the year with a solid 18.4% total return. Last year marked the first time the index ended a year positive after being down at least 30% during that year. Gains were driven primarily by the emerging economic recovery taking hold, bolstered by massive stimulus, and the remarkably fast COVID-19 vaccine development that encouraged market participants to begin to price in the end of the pandemic.

This week Brian take's a look at some of the asset class and sector winners and losers in 2020.

Find the referenced chart here: https://bit.ly/3i3OUry

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]]> 2020 was a good year for stock investors despite unprecedented challenges.

After being down more than 30% at the March 2020 lows, the S&P 500 Index ended the year with a solid 18.4% total return. Last year marked the first time the index ended a year positive after being down at least 30% during that year. Gains were driven primarily by the emerging economic recovery taking hold, bolstered by massive stimulus, and the remarkably fast COVID-19 vaccine development that encouraged market participants to begin to price in the end of the pandemic.

This week Brian take's a look at some of the asset class and sector winners and losers in 2020.

Find the referenced chart here: https://bit.ly/3i3OUry

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]]> Buzzsprout-7201324 Mon, 11 Jan 2021 00:00:00 -0800 1070 full false Outlook 2021 Outlook 2021 As 2020 comes to a close, we are already looking forward to a new year—and to a world very different from the one we’re leaving behind. Areas of the economy have been damaged and may never fully recover, but other areas will adapt, reinvent, and help reinvigorate growth. This week Brian Ullmann and Steve Jolly get together to cover what may be on the investing horizon next year by looking at monetary and fiscal policy, the economy, stocks, and bonds.

Continued progress in the response to COVID-19, including further stimulus measures by the government, will be key to sustaining the economic recovery. As the pandemic subsides, restrictions are lifted, and consumers’ daily lives return to something close to normal, the pace of the recovery most likely will pick up speed.

Sound financial advice charted a long-term path for many investors that kept them from getting off course in a turbulent 2020. There still will be risks to navigate in 2021, but it’s important to remain focused on long-term investing goals, stay on course, and power forward.

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]]> As 2020 comes to a close, we are already looking forward to a new year—and to a world very different from the one we’re leaving behind. Areas of the economy have been damaged and may never fully recover, but other areas will adapt, reinvent, and help reinvigorate growth. This week Brian Ullmann and Steve Jolly get together to cover what may be on the investing horizon next year by looking at monetary and fiscal policy, the economy, stocks, and bonds.

Continued progress in the response to COVID-19, including further stimulus measures by the government, will be key to sustaining the economic recovery. As the pandemic subsides, restrictions are lifted, and consumers’ daily lives return to something close to normal, the pace of the recovery most likely will pick up speed.

Sound financial advice charted a long-term path for many investors that kept them from getting off course in a turbulent 2020. There still will be risks to navigate in 2021, but it’s important to remain focused on long-term investing goals, stay on course, and power forward.

Ford Financial Group on Facebook

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Questions?
Find us at FordFG.com
Email us at info@fordfg.com

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]]> Ford Financial Group Buzzsprout-7037452 Mon, 04 Jan 2021 00:00:00 -0800 2138 full false Do you believe in a Santa Claus Rally? Do you believe in a Santa Claus Rally? Equity strength at this time of the year is widely known as the Santa Claus Rally, but the term is somewhat misunderstood. Discovered in 1972 by Yale Hirsch, creator of the Stock Trader’s Almanac (carried on now by his son Jeff Hirsch), the real Santa Claus Rally is the final five trading days of the year and first two trading days of the following year, not just December. In other words, the official Santa Claus Rally is set to begin Thursday, December 24.

Charts mentioned in the podcast:

1. Second half of December: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/12/Blog-chart-12.23.20.png?ssl=1

2. Performance during Santa Rally: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/12/Blog-chart-2-12.23.20.png?ssl=1

3. Santa Rally and the future: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/12/blog-chart-3-12.23.20.jpg?ssl=1

4. If Santa fails to call: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/12/12.23.20-Blog-Chart-4.png?ssl=1

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]]> Equity strength at this time of the year is widely known as the Santa Claus Rally, but the term is somewhat misunderstood. Discovered in 1972 by Yale Hirsch, creator of the Stock Trader’s Almanac (carried on now by his son Jeff Hirsch), the real Santa Claus Rally is the final five trading days of the year and first two trading days of the following year, not just December. In other words, the official Santa Claus Rally is set to begin Thursday, December 24.

Charts mentioned in the podcast:

1. Second half of December: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/12/Blog-chart-12.23.20.png?ssl=1

2. Performance during Santa Rally: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/12/Blog-chart-2-12.23.20.png?ssl=1

3. Santa Rally and the future: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/12/blog-chart-3-12.23.20.jpg?ssl=1

4. If Santa fails to call: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/12/12.23.20-Blog-Chart-4.png?ssl=1

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]]> Buzzsprout-6987175 Mon, 28 Dec 2020 00:00:00 -0800 679 full false Money Tips for Newlyweds Money Tips for Newlyweds We always hear about marriage proposals over the holidays, so for the week of Christmas we decided to give some money tips to next year's newlyweds.  According to TD Ameritrade, found that 41% of divorced Gen Xers and 29% of Boomers say they ended their marriage due to disagreements about money.

To combat this, we compiled some tips to help get newlyweds off on the right foot, discussing everything from merging account, filing taxes jointly, and budgeting for the future. As with many things, communication is KEY.

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]]> We always hear about marriage proposals over the holidays, so for the week of Christmas we decided to give some money tips to next year's newlyweds.  According to TD Ameritrade, found that 41% of divorced Gen Xers and 29% of Boomers say they ended their marriage due to disagreements about money.

To combat this, we compiled some tips to help get newlyweds off on the right foot, discussing everything from merging account, filing taxes jointly, and budgeting for the future. As with many things, communication is KEY.

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Questions?
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Email us at info@fordfg.com

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]]> Buzzsprout-6956033 Mon, 21 Dec 2020 14:00:00 -0800 1247 full false Is Inflation Looming? Is Inflation Looming?
Inflation is likely to pick up as the economy improves and may run a little hotter than we’ve seen in recent years in 2021, but is a cause for worry? This week we discuss where inflation sits right now, why it may run even hotter, and some of the forces that may keep inflation in check

The LPL Chart of the Day, mentioned in this episode, can be found here: https://bit.ly/2Wefggr


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]]>
Inflation is likely to pick up as the economy improves and may run a little hotter than we’ve seen in recent years in 2021, but is a cause for worry? This week we discuss where inflation sits right now, why it may run even hotter, and some of the forces that may keep inflation in check

The LPL Chart of the Day, mentioned in this episode, can be found here: https://bit.ly/2Wefggr


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Email us at info@fordfg.com

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]]> Ford Financial Group Buzzsprout-6849070 Mon, 14 Dec 2020 16:00:00 -0800 543 full false US Jobs Recovery is Slowing US Jobs Recovery is Slowing This week we take a look at the recent November jobs report, which showed the pace of US jobs growth slowed further in November, adding fuel to what’s been borne out by recent high-frequency data: The economic recovery is increasingly cooling in the face of rising COVID-19 cases and renewed lockdowns.

The LPL Chart of the Day, mentioned in this episode, can be found here: https://bit.ly/39I9F9X


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]]> This week we take a look at the recent November jobs report, which showed the pace of US jobs growth slowed further in November, adding fuel to what’s been borne out by recent high-frequency data: The economic recovery is increasingly cooling in the face of rising COVID-19 cases and renewed lockdowns.

The LPL Chart of the Day, mentioned in this episode, can be found here: https://bit.ly/39I9F9X


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Email us at info@fordfg.com

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]]> Ford Financial Group Buzzsprout-6696973 Mon, 07 Dec 2020 00:00:00 -0800 691 full false Social Security Planning for Couples Social Security Planning for Couples In this week's episode we have the audio replay of our webinar "Social Security Planning for Couples", where we talked about how you and you spouse would likely benefit from coordinating how you apply for Social Security benefits, versus blindly applying for benefits when they're first available or at your full retirement age.

If you're interested in having one of our advisors prepare a Social Security benefit analysis for you, please email your advisor directly, or email the general inbox at info@FordFG.com.


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]]> In this week's episode we have the audio replay of our webinar "Social Security Planning for Couples", where we talked about how you and you spouse would likely benefit from coordinating how you apply for Social Security benefits, versus blindly applying for benefits when they're first available or at your full retirement age.

If you're interested in having one of our advisors prepare a Social Security benefit analysis for you, please email your advisor directly, or email the general inbox at info@FordFG.com.


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]]> Ford Financial Group Buzzsprout-6551935 Mon, 30 Nov 2020 00:00:00 -0800 2180 full false Black Friday Tips - COVID Edition! Black Friday Tips - COVID Edition! This week, Ryan and Brian chat about ways to tackle Black Friday shopping, from coming deal sites and door busters, to taking a sound financial approach by budgeting, using lists, and considering the "price per use" idea.

CNBC article mentioned in the episode: https://www.cnbc.com/2020/11/23/holiday-2020-so-long-doorbusters-retailers-roll-out-weeks-of-deals.html

Deal sites:
https://slickdeals.net/
https://9to5toys.com/
https://camelcamelcamel.com/

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]]> This week, Ryan and Brian chat about ways to tackle Black Friday shopping, from coming deal sites and door busters, to taking a sound financial approach by budgeting, using lists, and considering the "price per use" idea.

CNBC article mentioned in the episode: https://www.cnbc.com/2020/11/23/holiday-2020-so-long-doorbusters-retailers-roll-out-weeks-of-deals.html

Deal sites:
https://slickdeals.net/
https://9to5toys.com/
https://camelcamelcamel.com/

Ford Financial Group on Facebook

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Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
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]]> Ford Financial Group Buzzsprout-6516877 Mon, 23 Nov 2020 11:00:00 -0800 1159 full false It's casual Friday, let's talk FAQ! It's casual Friday, let's talk FAQ! This week Brian, Nik, Steve and Rob got together to have a casual discussion about what are some of our clients' most frequently asked questions, which includes questions about changes in the tax code, and what may be in store for markets in 2021.

Also, you can register for our Savvy Social Security Webinar right here: https://bit.ly/2JYMWvz

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]]> This week Brian, Nik, Steve and Rob got together to have a casual discussion about what are some of our clients' most frequently asked questions, which includes questions about changes in the tax code, and what may be in store for markets in 2021.

Also, you can register for our Savvy Social Security Webinar right here: https://bit.ly/2JYMWvz

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Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
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]]> Ford Financial Group Buzzsprout-6362164 Fri, 13 Nov 2020 11:00:00 -0800 1217 full false GDP Bounces Back GDP Bounces Back This week Brian discusses how GDP expanded 33.1% on an annualized basis in the third quarter, ahead of expectations, fueled by the continued reopening of businesses and reversing much of the economic fallout from COVID-19-related lockdowns.

Check out the LPL Research chart referenced in this episode HERE.

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]]> This week Brian discusses how GDP expanded 33.1% on an annualized basis in the third quarter, ahead of expectations, fueled by the continued reopening of businesses and reversing much of the economic fallout from COVID-19-related lockdowns.

Check out the LPL Research chart referenced in this episode HERE.

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]]> Ford Financial Group Buzzsprout-6132433 Thu, 29 Oct 2020 16:00:00 -0700 644 full false Investing for 12 Weeks VS 12 Months Investing for 12 Weeks VS 12 Months After taking the last week off, Brian reviews recent market performance, retail sales numbers, and discusses everyone's obsession with the election and how it fits into longer term investing goals.

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]]> After taking the last week off, Brian reviews recent market performance, retail sales numbers, and discusses everyone's obsession with the election and how it fits into longer term investing goals.

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]]> Ford Financial Group Buzzsprout-5929612 Fri, 16 Oct 2020 14:00:00 -0700 760 full false Trump COVID FAQs Trump COVID FAQs This week we recap market performance and economic news for the week ending 10/2, and we address some of the concerns and frequently asked questions we're receiving as it relates to the President's recent COVID-19 positive test. 

Charts mentioned in the episode: JOB GROWTH STALLING CHART

Check out our Facebook and Youtube pages, which can be found here:

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]]> This week we recap market performance and economic news for the week ending 10/2, and we address some of the concerns and frequently asked questions we're receiving as it relates to the President's recent COVID-19 positive test. 

Charts mentioned in the episode: JOB GROWTH STALLING CHART

Check out our Facebook and Youtube pages, which can be found here:

Ford Financial Group on Facebook

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]]> Buzzsprout-5715331 Fri, 02 Oct 2020 15:00:00 -0700 1079 full false September Slide September Slide This week we chat about the reasons why the market has slipped since peaking on September 2nd, and do a quick jobs and COVID update.

Brian also mentioned our Facebook and Youtube pages, which can be found here:

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]]> This week we chat about the reasons why the market has slipped since peaking on September 2nd, and do a quick jobs and COVID update.

Brian also mentioned our Facebook and Youtube pages, which can be found here:

Ford Financial Group on Facebook

Ford Financial Group on YouTube

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 


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]]> Ford Financial Group Buzzsprout-5613844 Sat, 26 Sep 2020 08:00:00 -0700 570 full false College Savings Webinar & Creek Fire Woes College Savings Webinar & Creek Fire Woes This week we chat about our upcoming webinar on ways you can save for college for the students in your life, chat about the California wildfires and the Creek Fire in particular, and give our regular market update.

If you're interested in registering for our College Savings Planning webinar on September 30th, email us or click this link:

https://us02web.zoom.us/webinar/register/WN_g6I1Qjn3R8CiUiy18yHG9w

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

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]]> This week we chat about our upcoming webinar on ways you can save for college for the students in your life, chat about the California wildfires and the Creek Fire in particular, and give our regular market update.

If you're interested in registering for our College Savings Planning webinar on September 30th, email us or click this link:

https://us02web.zoom.us/webinar/register/WN_g6I1Qjn3R8CiUiy18yHG9w

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
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]]> Ford Financial Group Buzzsprout-5490487 Thu, 17 Sep 2020 14:00:00 -0700 881 full false 5 Lessons Learned About Rising Rates 5 Lessons Learned About Rising Rates This week we start with our regular update, where stocks have sold off again over the last 5 days as investors take more of a breather after a summer run in markets. We also tackled jobs and COVID news, and finish by talking about ways the fixed income side of your portfolio may be impacted by rising interest rates.

Questions?
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]]> This week we start with our regular update, where stocks have sold off again over the last 5 days as investors take more of a breather after a summer run in markets. We also tackled jobs and COVID news, and finish by talking about ways the fixed income side of your portfolio may be impacted by rising interest rates.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05052004

Send in your questions!

]]> Ford Financial Group Buzzsprout-5387833 Thu, 10 Sep 2020 15:00:00 -0700 967 full false Market Selloff & Credit Score Tips Market Selloff & Credit Score Tips As we recorded this episode on the heels of a historic market run, stocks Thursday sold off in a big way, which we talked about in our open this week. We also tackled jobs and COVID news, and finish by reviewing steps you can take to review your credit report and help improve your credit score.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

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]]> As we recorded this episode on the heels of a historic market run, stocks Thursday sold off in a big way, which we talked about in our open this week. We also tackled jobs and COVID news, and finish by reviewing steps you can take to review your credit report and help improve your credit score.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05052004

Send in your questions!

]]> Ford Financial Group Buzzsprout-5285197 Thu, 03 Sep 2020 15:00:00 -0700 1097 full false Markets Continue Surge & Fraudulent Unemployment Claims on the Rise Markets Continue Surge & Fraudulent Unemployment Claims on the Rise In this week's podcast we check in again on markets, unemployment, and COVID numbers. Other topics include a review of our recent Election 2020 webinar, and update to AccountView 2.0 and improvements in how you can access your account online (including through a new app). There is also news of a very promising, quick, and accurate Coronavirus test, which may speed an economic rebound.

Finally, we review the fact that we are seeing an increase in Fraudulent Unemployment Claims, and discuss tips from the FBI on how you can keep your personal information safer.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

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Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05049195.

Send in your questions!

]]> In this week's podcast we check in again on markets, unemployment, and COVID numbers. Other topics include a review of our recent Election 2020 webinar, and update to AccountView 2.0 and improvements in how you can access your account online (including through a new app). There is also news of a very promising, quick, and accurate Coronavirus test, which may speed an economic rebound.

Finally, we review the fact that we are seeing an increase in Fraudulent Unemployment Claims, and discuss tips from the FBI on how you can keep your personal information safer.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05049195.

Send in your questions!

]]> Ford Financial Group Buzzsprout-5175700 Thu, 27 Aug 2020 11:00:00 -0700 1076 full false Habits That Can Work Against Wealth Creation Habits That Can Work Against Wealth Creation This week we catch up again with markets and COVID numbers, and we take a look at three things you might be doing that undercut your ability to build wealth.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05047223.

Send in your questions!

]]> This week we catch up again with markets and COVID numbers, and we take a look at three things you might be doing that undercut your ability to build wealth.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05047223.

Send in your questions!

]]> Ford Financial Group Buzzsprout-5095744 Fri, 21 Aug 2020 13:00:00 -0700 645 full false The Best 100 Days Ever - Chart Check The Best 100 Days Ever - Chart Check You've heard of "Shark Week", how about "Chart Week"? This week we review the astounding fact that we have just had the best 100 days ever from the S&P 500, and what history suggests it might mean for the S&P 500 going forward. We also talk about some reasons why the S&P 500 is different from GDP, and we finish by looking at real time indicators on how the economy is improving right now. 

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05044610.

Send in your questions!

]]> You've heard of "Shark Week", how about "Chart Week"? This week we review the astounding fact that we have just had the best 100 days ever from the S&P 500, and what history suggests it might mean for the S&P 500 going forward. We also talk about some reasons why the S&P 500 is different from GDP, and we finish by looking at real time indicators on how the economy is improving right now. 

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05044610.

Send in your questions!

]]> Ford Financial Group Buzzsprout-4999325 Fri, 14 Aug 2020 10:00:00 -0700 863 full false A Promising Start to August A Promising Start to August This week we give an update as we finish the first week of August, where we see continued economic improvement, despite some stubborn and discouraging numbers in COVID-19 cases.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05041380.

Send in your questions!

]]> This week we give an update as we finish the first week of August, where we see continued economic improvement, despite some stubborn and discouraging numbers in COVID-19 cases.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05041380.

Send in your questions!

]]> Ford Financial Group Buzzsprout-4883108 Thu, 06 Aug 2020 08:00:00 -0700 462 full false Biggest GDP Contraction Ever Biggest GDP Contraction Ever This week we give a July-end update, where we cover a historic decline in GDP, jobless claims remaining stubbornly high, and the latest in COVID-19 news.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> This week we give a July-end update, where we cover a historic decline in GDP, jobless claims remaining stubbornly high, and the latest in COVID-19 news.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> Ford Financial Group Buzzsprout-4784009 Thu, 30 Jul 2020 13:00:00 -0700 680 full false Mid Year Outlook Webinar Replay Mid Year Outlook Webinar Replay Did you miss our webinar where we reviewed the LPL Research 2020 Mid Year Outlook? If so, you're in luck. Listen in as we examine how the economy, stock, and bonds may perform during the second half of the year, and we even touched on the election and what markets have to say about the candidates.

Find the full LPL Research 2020 Mid Year Outlook here.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> Did you miss our webinar where we reviewed the LPL Research 2020 Mid Year Outlook? If so, you're in luck. Listen in as we examine how the economy, stock, and bonds may perform during the second half of the year, and we even touched on the election and what markets have to say about the candidates.

Find the full LPL Research 2020 Mid Year Outlook here.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> Ford Financial Group Buzzsprout-4755488 Tue, 28 Jul 2020 14:00:00 -0700 2425 full false 2020 Mid-Year Outlook 2020 Mid-Year Outlook This week Brian reviews the LPL Research 2020 Mid Year Outlook, which examines how the economy, stock, and bonds may perform during the second half of the year, and he even touches on the election and what markets have to say about the candidates.

Register for our Mid-Year Outlook HERE!

Find the full LPL Research 2020 Mid Year Outlook here.



Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> This week Brian reviews the LPL Research 2020 Mid Year Outlook, which examines how the economy, stock, and bonds may perform during the second half of the year, and he even touches on the election and what markets have to say about the candidates.

Register for our Mid-Year Outlook HERE!

Find the full LPL Research 2020 Mid Year Outlook here.



Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> Ford Financial Group Buzzsprout-4596860 Thu, 16 Jul 2020 11:00:00 -0700 807 full false A Huge Second Quarter Recovery A Huge Second Quarter Recovery This week it's just Brian, where he discusses how stocks ended the second quarter of the year, the recent (and strong) jobs report, and the recent US manufacturing comeback.

Brian also mentioned our upcoming quarterly investment newsletter and our monthly financial planning newsletter. Remember to sign up if you haven't already!

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> This week it's just Brian, where he discusses how stocks ended the second quarter of the year, the recent (and strong) jobs report, and the recent US manufacturing comeback.

Brian also mentioned our upcoming quarterly investment newsletter and our monthly financial planning newsletter. Remember to sign up if you haven't already!

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> Ford Financial Group Buzzsprout-4417433 Thu, 02 Jul 2020 13:00:00 -0700 723 full false Market Nervousness Over COVID Resurgence Market Nervousness Over COVID Resurgence This week Brian covers how the resurgence of Coronavirus cases has made investors nervous, the most recent jobless numbers, and how FFG is connecting with clients digitally through webinars.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> This week Brian covers how the resurgence of Coronavirus cases has made investors nervous, the most recent jobless numbers, and how FFG is connecting with clients digitally through webinars.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05026658.

Send in your questions!

]]> Ford Financial Group Buzzsprout-4319072 Thu, 25 Jun 2020 12:00:00 -0700 763 full false Quick June Update Quick June Update This week it's just Brian giving a brief update on the current market rebound, some recent economic data that suggests the recovery is trending in the right direction, and a reminder that markets are forward looking.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05023102.

Send in your questions!

]]> This week it's just Brian giving a brief update on the current market rebound, some recent economic data that suggests the recovery is trending in the right direction, and a reminder that markets are forward looking.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05023102.

Send in your questions!

]]> Ford Financial Group Buzzsprout-4201814 Tue, 16 Jun 2020 13:00:00 -0700 399 full false June Webinar Recap June Webinar Recap This week Ryan and Brian recap our June webinar for clients, where we partnered with JPMorgan to review their Guide to the Markets publication, using data to help us chart the path forward for the second half of the year.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05019023

Send in your questions!

]]> This week Ryan and Brian recap our June webinar for clients, where we partnered with JPMorgan to review their Guide to the Markets publication, using data to help us chart the path forward for the second half of the year.

Questions?
Find us at FordFG.com
Email us at info@fordfg.com

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. Tracking ID: 1-05019023

Send in your questions!

]]> Ford Financial Group Buzzsprout-4089038 Mon, 08 Jun 2020 09:00:00 -0700 1826 full false Buying and Selling Real Estate During the Pandemic Buying and Selling Real Estate During the Pandemic In this episode we are joined again by Lena Marie Fisher, a realtor in the Fresno, California area. Lena helps break down what has changed for both buyers and sellers in this new real estate environment caused by COVID-19. Coronavirus has changed the way sellers present their homes to buyers, and how buyers go about the process. We also cover that even though home sales have been down both nationally and locally over the past few months, prices have remained steady and sellers have been able to find many willing buyers if their home is priced right.

If you would like to contact Lena directly, you can find her at lenafisher.com or email her at lena@lenafisher.com.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/).

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05015847



Send in your questions!

]]> In this episode we are joined again by Lena Marie Fisher, a realtor in the Fresno, California area. Lena helps break down what has changed for both buyers and sellers in this new real estate environment caused by COVID-19. Coronavirus has changed the way sellers present their homes to buyers, and how buyers go about the process. We also cover that even though home sales have been down both nationally and locally over the past few months, prices have remained steady and sellers have been able to find many willing buyers if their home is priced right.

If you would like to contact Lena directly, you can find her at lenafisher.com or email her at lena@lenafisher.com.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/).

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05015847



Send in your questions!

]]> Ford Financial Group Buzzsprout-3958766 Thu, 28 May 2020 20:00:00 -0700 1951 full false May 2020 Market Update May 2020 Market Update Sometimes you just need a good old fashioned market update! This week, Steve and Brian chat about where markets are now after hitting bottom (for now) in late March and rebounding in a big way in April and early May. Ugly economic data continues to roll in, but the market continues surging higher. What might be causing this divergence?

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/).

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05011539

Send in your questions!

]]> Sometimes you just need a good old fashioned market update! This week, Steve and Brian chat about where markets are now after hitting bottom (for now) in late March and rebounding in a big way in April and early May. Ugly economic data continues to roll in, but the market continues surging higher. What might be causing this divergence?

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/).

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05011539

Send in your questions!

]]> Ford Financial Group Buzzsprout-3821309 Mon, 18 May 2020 19:00:00 -0700 1366 full false Coronavirus, Estate Planning, & Health Care Directives Coronavirus, Estate Planning, & Health Care Directives We are joined again this week attorney Ryan Janisse, a shareholder at Gilmore Magness Janisse, who helps us dive into the unique challenges that COVID-19 might present to your estate plan. As Ryan reviews, your estate plan is always important, but other challenges exist right now, such as getting your new estate planning documents notarized... so it's important to work on your estate plan right now, because it could take longer to complete as the world, and law firms, grapple with shelter in place rules.

Ryan also discusses health care directives, which are important part of your estate plan that effects you and your care while you are still alive but unable to make your own health care decisions if, say, you were on a ventilator.

As we mentioned in our last show notes, Ryan's practice includes estate and succession planning, probate and trust administration, probate and estate litigation, conservatorships, business matters, and transactional law. He works with individuals and families in connection with all aspects of estate planning including the preparation of living trusts, wills, powers of attorney, advanced health care directives, nomination of guardians, and irrevocable trusts. His practice also includes representing beneficiaries, executors and trustees in contested and uncontested probate and trust administration matters.

If you would like to reach out directly to Ryan, you can find him on his firm's website at: https://gmlegal.net

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05008316

Send in your questions!

]]> We are joined again this week attorney Ryan Janisse, a shareholder at Gilmore Magness Janisse, who helps us dive into the unique challenges that COVID-19 might present to your estate plan. As Ryan reviews, your estate plan is always important, but other challenges exist right now, such as getting your new estate planning documents notarized... so it's important to work on your estate plan right now, because it could take longer to complete as the world, and law firms, grapple with shelter in place rules.

Ryan also discusses health care directives, which are important part of your estate plan that effects you and your care while you are still alive but unable to make your own health care decisions if, say, you were on a ventilator.

As we mentioned in our last show notes, Ryan's practice includes estate and succession planning, probate and trust administration, probate and estate litigation, conservatorships, business matters, and transactional law. He works with individuals and families in connection with all aspects of estate planning including the preparation of living trusts, wills, powers of attorney, advanced health care directives, nomination of guardians, and irrevocable trusts. His practice also includes representing beneficiaries, executors and trustees in contested and uncontested probate and trust administration matters.

If you would like to reach out directly to Ryan, you can find him on his firm's website at: https://gmlegal.net

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05008316

Send in your questions!

]]> Ford Financial Group Buzzsprout-3716492 Mon, 11 May 2020 13:00:00 -0700 1726 full false Your Estate Planning Questions Answered Your Estate Planning Questions Answered This week we talk with Ryan Janisse, a shareholder at Gilmore Magness Janisse, about the ins and outs of estate planning. Ever wonder what the difference is between a will and a trust? Did you know that a durable healthcare directive should be part of your estate plan? Have you considered what kinds of things you need to prepare before meeting with an estate planning attorney?

This episode covers all of those questions, along with answering many others. This could very well be one of the most useful and comprehensive episodes we have done yet, and we hope you'll agree.

Ryan's practice includes estate and succession planning, probate and trust administration, probate and estate litigation, conservatorships, business matters, and transactional law. He works with individuals and families in connection with all aspects of estate planning including the preparation of living trusts, wills, powers of attorney, advanced health care directives, nomination of guardians, and irrevocable trusts. His practice also includes representing beneficiaries, executors and trustees in contested and uncontested probate and trust administration matters.

If you would like to reach out directly to Ryan, you can find him on his firm's website at: https://gmlegal.net/

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05005205

Send in your questions!

]]> This week we talk with Ryan Janisse, a shareholder at Gilmore Magness Janisse, about the ins and outs of estate planning. Ever wonder what the difference is between a will and a trust? Did you know that a durable healthcare directive should be part of your estate plan? Have you considered what kinds of things you need to prepare before meeting with an estate planning attorney?

This episode covers all of those questions, along with answering many others. This could very well be one of the most useful and comprehensive episodes we have done yet, and we hope you'll agree.

Ryan's practice includes estate and succession planning, probate and trust administration, probate and estate litigation, conservatorships, business matters, and transactional law. He works with individuals and families in connection with all aspects of estate planning including the preparation of living trusts, wills, powers of attorney, advanced health care directives, nomination of guardians, and irrevocable trusts. His practice also includes representing beneficiaries, executors and trustees in contested and uncontested probate and trust administration matters.

If you would like to reach out directly to Ryan, you can find him on his firm's website at: https://gmlegal.net/

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05005205

Send in your questions!

]]> Ford Financial Group Buzzsprout-3584395 Fri, 01 May 2020 13:00:00 -0700 1859 full false What's Up with Oil? What's Up with Oil? This week Steve, Rob, and Brian dig into what the price of oil futures contracts went negative, and what this might actually mean for our clients and their portfolios. Even though this was a bit of a trading anomaly, these wild swings in oil prices do reflect the turbulence that's going on in the broader economy. Oh, and no, negative prices of oil doesn't mean you'll get paid to fill up your car.



Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05002271

Send in your questions!

]]> This week Steve, Rob, and Brian dig into what the price of oil futures contracts went negative, and what this might actually mean for our clients and their portfolios. Even though this was a bit of a trading anomaly, these wild swings in oil prices do reflect the turbulence that's going on in the broader economy. Oh, and no, negative prices of oil doesn't mean you'll get paid to fill up your car.



Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-05002271

Send in your questions!

]]> Ford Financial Group Buzzsprout-3491074 Fri, 24 Apr 2020 10:00:00 -0700 1753 full false What's Next? Timing, Rebalancing, and Allocations in Volatile Markets What's Next? Timing, Rebalancing, and Allocations in Volatile Markets In this episode, Ryan and Brian consider what kinds of actions one might take in their portfolio after the huge 1st quarter drop in stocks... and even chat about some of the joys and difficulties that come with working from home.


Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-980394

Send in your questions!

]]> In this episode, Ryan and Brian consider what kinds of actions one might take in their portfolio after the huge 1st quarter drop in stocks... and even chat about some of the joys and difficulties that come with working from home.


Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-980394

Send in your questions!

]]> Ford Financial Group Buzzsprout-3305101 Thu, 09 Apr 2020 13:00:00 -0700 1381 full false The Stimulus Package: What's in it for me? The Stimulus Package: What's in it for me? In our latest episode, Nik and Brian discuss some of the particulars in the government's stimulus (rescue?) package that's designed to help individual taxpayers, as well as business owners.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-974809

Send in your questions!

]]> In our latest episode, Nik and Brian discuss some of the particulars in the government's stimulus (rescue?) package that's designed to help individual taxpayers, as well as business owners.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-974809

Send in your questions!

]]> Ford Financial Group Buzzsprout-3214801 Thu, 02 Apr 2020 10:00:00 -0700 1520 full false Washington Stimulus: Recovery on the Way? Washington Stimulus: Recovery on the Way? In another bonus episode, Steve, Ryan, and Brian record remotely to discuss ongoing turbulence in markets, stimulus from Congress and the Federal Reserve, and what kind of shape the recovery may take.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 

Send in your questions!

]]> In another bonus episode, Steve, Ryan, and Brian record remotely to discuss ongoing turbulence in markets, stimulus from Congress and the Federal Reserve, and what kind of shape the recovery may take.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 

Send in your questions!

]]> Buzzsprout-3135823 Thu, 26 Mar 2020 16:00:00 -0700 1566 full false Tips for selling your home with Realtor Lena Fisher Tips for selling your home with Realtor Lena Fisher This week we welcome back realtor Lena Fisher, who returns to the podcast to give us some tips on what it takes to help sell your home quickly, and at the right price. We talk about how the internet has changed things from sellers, though some of the fundamental principles on what it takes to sell your home have always remained constant. 

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-952955

Send in your questions!

]]> This week we welcome back realtor Lena Fisher, who returns to the podcast to give us some tips on what it takes to help sell your home quickly, and at the right price. We talk about how the internet has changed things from sellers, though some of the fundamental principles on what it takes to sell your home have always remained constant. 

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-952955

Send in your questions!

]]> Ford Financial Group Buzzsprout-2976589 Mon, 23 Mar 2020 00:00:00 -0700 1284 full false Coronavirus Crash Coronavirus Crash In another bonus episode, Steve and Brian record remotely to discuss what to make of markets in light of the recent historic selloff, and try to bring some perspective on what may be ahead.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-969385

Send in your questions!

]]> In another bonus episode, Steve and Brian record remotely to discuss what to make of markets in light of the recent historic selloff, and try to bring some perspective on what may be ahead.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-969385

Send in your questions!

]]> Ford Financial Group Buzzsprout-3067324 Fri, 20 Mar 2020 09:00:00 -0700 1417 full false Bear Markets, COVID-19 & Oil Prices Bear Markets, COVID-19 & Oil Prices In this bonus episode, Steve and Brian address the recent market drops and provide some perspective on how the Coronavirus and a price war in oil might affect your investments.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-963922

Send in your questions!

]]> In this bonus episode, Steve and Brian address the recent market drops and provide some perspective on how the Coronavirus and a price war in oil might affect your investments.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-963922

Send in your questions!

]]> Ford Financial Group Buzzsprout-2984506 Wed, 11 Mar 2020 13:00:00 -0700 1224 full false 7 Principles for Long Term Investing 7 Principles for Long Term Investing Markets and economies change over time, but do you know what doesn't change for investors? The basics.

This week Nik and Brian discuss 7 principles for long term investing that can help you make the most out of your retirement savings and can help keep you on the path to reach your financial goals.

Music: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-955501

Send in your questions!

]]> Markets and economies change over time, but do you know what doesn't change for investors? The basics.

This week Nik and Brian discuss 7 principles for long term investing that can help you make the most out of your retirement savings and can help keep you on the path to reach your financial goals.

Music: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-955501

Send in your questions!

]]> Ford Financial Group Buzzsprout-2831746 Mon, 09 Mar 2020 08:00:00 -0700 1588 full false Coronavirus (COVID-19) Market Volatility Coronavirus (COVID-19) Market Volatility Brian and Steve get together to discuss the historic stock market volatility we've had recently, the effects the spread of Coronavirus (COVID-19) may have on stocks and the economy, and what this means for clients and their portfolios.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-957466


Send in your questions!

]]> Brian and Steve get together to discuss the historic stock market volatility we've had recently, the effects the spread of Coronavirus (COVID-19) may have on stocks and the economy, and what this means for clients and their portfolios.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-957466


Send in your questions!

]]> Ford Financial Group Buzzsprout-2869306 Fri, 28 Feb 2020 09:00:00 -0800 1273 full false Tips for New Homebuyers Tips for New Homebuyers This week we chat with Lena Fisher, a realtor who, though her Homebuyer Happy Hour, has helped to guide countless new homebuyers through the buying process. In our session, she helps to walk us through the process of identifying a property to purchase, understanding what you will get from your budget, and she sheds light on the importance of being pre-approved for you mortgage loan.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-952955

Send in your questions!

]]> This week we chat with Lena Fisher, a realtor who, though her Homebuyer Happy Hour, has helped to guide countless new homebuyers through the buying process. In our session, she helps to walk us through the process of identifying a property to purchase, understanding what you will get from your budget, and she sheds light on the importance of being pre-approved for you mortgage loan.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Tracking ID: 1-952955

Send in your questions!

]]> Ford Financial Group Buzzsprout-2789203 Mon, 24 Feb 2020 00:00:00 -0800 1302 full false New Family Starter Kit New Family Starter Kit In our experience in working with younger investors, we have found that many people start to get serious about their finances once they start a family.  When you have a little one you're now responsible for, the stakes get a little bit higher, and everybody becomes more interested in getting a plan together, so they can make sure their needs are taken care of.

This week Brian discusses four key things young families need to tackle as they’re getting started to help build a good financial foundation and stay on the right track as they go forward: emergency savings, an estate plan, life insurance, and college savings.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-947758

Send in your questions!

]]> In our experience in working with younger investors, we have found that many people start to get serious about their finances once they start a family.  When you have a little one you're now responsible for, the stakes get a little bit higher, and everybody becomes more interested in getting a plan together, so they can make sure their needs are taken care of.

This week Brian discusses four key things young families need to tackle as they’re getting started to help build a good financial foundation and stay on the right track as they go forward: emergency savings, an estate plan, life insurance, and college savings.

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-947758

Send in your questions!

]]> Ford Financial Group Buzzsprout-2705377 Mon, 17 Feb 2020 00:00:00 -0800 775 full false Does a Lower January Have Bears Smiling? Does a Lower January Have Bears Smiling? There’s an old adage on Wall Street that suggests, “As goes January, so goes the year.” This week Brian discusses the stats behind the theory, and reviews its impressive (though recently flawed) track record. Given stocks closed red in January, how worried should investors be?

So Goes January, So Goes the Year: https://i2.wp.com/lplresearch.com/wp-content/uploads/2020/02/so-goes-january-so-goes-the-year.png?ssl=1

The January Barometer: https://i2.wp.com/lplresearch.com/wp-content/uploads/2020/02/the-january-barometer.png?ssl=1

A Lower January Hasn't Been as Bearish Lately: https://i2.wp.com/lplresearch.com/wp-content/uploads/2020/02/a-lower-january-hasnt-been-as-bearish-lately.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-948893

Send in your questions!

]]> There’s an old adage on Wall Street that suggests, “As goes January, so goes the year.” This week Brian discusses the stats behind the theory, and reviews its impressive (though recently flawed) track record. Given stocks closed red in January, how worried should investors be?

So Goes January, So Goes the Year: https://i2.wp.com/lplresearch.com/wp-content/uploads/2020/02/so-goes-january-so-goes-the-year.png?ssl=1

The January Barometer: https://i2.wp.com/lplresearch.com/wp-content/uploads/2020/02/the-january-barometer.png?ssl=1

A Lower January Hasn't Been as Bearish Lately: https://i2.wp.com/lplresearch.com/wp-content/uploads/2020/02/a-lower-january-hasnt-been-as-bearish-lately.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-948893

Send in your questions!

]]> Ford Financial Group Buzzsprout-2705272 Mon, 10 Feb 2020 07:00:00 -0800 561 full false Viral Outbreak Ends Period of Market Calm Viral Outbreak Ends Period of Market Calm Fears that the deadly coronavirus would spread further around the globe intensified last Monday, leading to the biggest one-day drop in the S&P 500 Index since October 8, 2019. In fact, it was the first time the index moved 1% in either direction since early October—spanning 71 trading days.

This week, Brian discusses past market reactions to outbreaks similar to the corona virus, as well as he believes the real story is here is actually just how calm the markets have been leading up to this point.

Chart - 71 Days In a Row Without a 1% Change for the S&P 500 Index: https://i2.wp.com/lplresearch.com/wp-content/uploads/2020/01/71-days-in-a-row-without-a-1-change-for-the-SP500-index.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-944102

Send in your questions!

]]> Fears that the deadly coronavirus would spread further around the globe intensified last Monday, leading to the biggest one-day drop in the S&P 500 Index since October 8, 2019. In fact, it was the first time the index moved 1% in either direction since early October—spanning 71 trading days.

This week, Brian discusses past market reactions to outbreaks similar to the corona virus, as well as he believes the real story is here is actually just how calm the markets have been leading up to this point.

Chart - 71 Days In a Row Without a 1% Change for the S&P 500 Index: https://i2.wp.com/lplresearch.com/wp-content/uploads/2020/01/71-days-in-a-row-without-a-1-change-for-the-SP500-index.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-944102

Send in your questions!

]]> Ford Financial Group Buzzsprout-2609260 Mon, 03 Feb 2020 00:00:00 -0800 565 full false Another Look at Election Years Another Look at Election Years In the last episode we discussed the fact that since 1940, the S&P 500 Index hasn’t been lower during an election year when an incumbent president has been up for reelection. But, because we’ve had so many requests about election years and markets, we thought we’d take another look at this impactful year.

In this bonus episode, Brian discusses the fact that stocks actually have traded in a tight range from February through June during election years.

S&P 500 Index When President Was Up For Reelection (1950-Current): https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/reelection-012220.jpg?ssl=1

S&P 500 Quarterly Returns (1950-2019) Based on the Four Year Presidential Cycle: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/quarterly-return-012220.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-943312

Send in your questions!

]]> In the last episode we discussed the fact that since 1940, the S&P 500 Index hasn’t been lower during an election year when an incumbent president has been up for reelection. But, because we’ve had so many requests about election years and markets, we thought we’d take another look at this impactful year.

In this bonus episode, Brian discusses the fact that stocks actually have traded in a tight range from February through June during election years.

S&P 500 Index When President Was Up For Reelection (1950-Current): https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/reelection-012220.jpg?ssl=1

S&P 500 Quarterly Returns (1950-2019) Based on the Four Year Presidential Cycle: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/quarterly-return-012220.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-943312

Send in your questions!

]]> Ford Financial Group Buzzsprout-2598550 Wed, 29 Jan 2020 12:00:00 -0800 419 full false A Closer Look at Election Years A Closer Look at Election Years 2020 is off to a roaring start for markets, and we have seen the major indices pick up right where they left off in 2019.

However, many investors are eyeing the upcoming presidential election as an impending storm that could cause real trouble for the stock market. However, that scenario isn't always the case, as we review in this week's episode.

While pre-election years (like 2019) have tended to be the strongest for stocks, returns in election years have been quite bifurcated.

LPL Chart of the Day:

When the President Has Been Up For Reelection, Stocks do Quite Well: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/011720-pic-1.png?ssl=1

1940 Was the Last Time Stocks Were Lower When a President Was Up For Reelection: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/011720-pic-2.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-942598

Send in your questions!

]]> 2020 is off to a roaring start for markets, and we have seen the major indices pick up right where they left off in 2019.

However, many investors are eyeing the upcoming presidential election as an impending storm that could cause real trouble for the stock market. However, that scenario isn't always the case, as we review in this week's episode.

While pre-election years (like 2019) have tended to be the strongest for stocks, returns in election years have been quite bifurcated.

LPL Chart of the Day:

When the President Has Been Up For Reelection, Stocks do Quite Well: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/011720-pic-1.png?ssl=1

1940 Was the Last Time Stocks Were Lower When a President Was Up For Reelection: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/011720-pic-2.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-942598

Send in your questions!

]]> Ford Financial Group Buzzsprout-2590822 Mon, 27 Jan 2020 13:00:00 -0800 447 full false BIG Changes to Retirement Saving Rules: the SECURE Act BIG Changes to Retirement Saving Rules: the SECURE Act Did you know that the President recently signed a bill passed by Congress that makes some huge changes to the rules relating to saving for retirement? This week Brian and Ryan review the SECURE Act, and discuss 10 of the biggest changes that come from the law, including a change to the age when required minimum distributions must be taken, changes in 401(k) options, and how beneficiaries inheriting IRAs are impact. This new law is a BIG deal and we want to help you understand its impact.

Below is the ten items that were reviewed, so you can reference them later:
1. THE RMD AGE HAS MOVED FROM 70½ TO 72.
2. NO AGE RESTRICTIONS ON IRA CONTRIBUTIONS
3. PART-TIME EMPLOYEES WILL HAVE ACCESS TO 401(K)S.
4. PENALTY FREE WITHDRAWALS FOR BIRTH OR ADOPTION OF CHILD
5. ANNUITY INFORMATION AND OPTIONS WILL BE EXPANDED IN 401(K)S
6. THERE WILL BE AN ENHANCEMENT OF AUTO-ENROLLMENT 401(K) PLANS
7. HELP FOR SMALL BUSINESSES OFFERING RETIREMENT PLANS
8. GRAD STUDENTS AND CARE PROVIDERS CAN SAVE MORE
9. CREDIT CARD ACCESS TO 401(k) LOANS WILL BE PROHIBITED
10. STRETCH IRAs ELIMINATED

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-939377

Send in your questions!

]]> Did you know that the President recently signed a bill passed by Congress that makes some huge changes to the rules relating to saving for retirement? This week Brian and Ryan review the SECURE Act, and discuss 10 of the biggest changes that come from the law, including a change to the age when required minimum distributions must be taken, changes in 401(k) options, and how beneficiaries inheriting IRAs are impact. This new law is a BIG deal and we want to help you understand its impact.

Below is the ten items that were reviewed, so you can reference them later:
1. THE RMD AGE HAS MOVED FROM 70½ TO 72.
2. NO AGE RESTRICTIONS ON IRA CONTRIBUTIONS
3. PART-TIME EMPLOYEES WILL HAVE ACCESS TO 401(K)S.
4. PENALTY FREE WITHDRAWALS FOR BIRTH OR ADOPTION OF CHILD
5. ANNUITY INFORMATION AND OPTIONS WILL BE EXPANDED IN 401(K)S
6. THERE WILL BE AN ENHANCEMENT OF AUTO-ENROLLMENT 401(K) PLANS
7. HELP FOR SMALL BUSINESSES OFFERING RETIREMENT PLANS
8. GRAD STUDENTS AND CARE PROVIDERS CAN SAVE MORE
9. CREDIT CARD ACCESS TO 401(k) LOANS WILL BE PROHIBITED
10. STRETCH IRAs ELIMINATED

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-939377

Send in your questions!

]]> Ford Financial Group Buzzsprout-2539966 Mon, 20 Jan 2020 00:00:00 -0800 2149 full false Why The First Five Days Of 2020 Could Have Bulls Smiling Why The First Five Days Of 2020 Could Have Bulls Smiling While not a perfect predictor of stocks (is there a perfect predictor), it's true that when S&P 500 returns in the first five trading days of a new year have been higher, the full-year total return for the S&P 500 has been positive 80% of the time. This week Brian discusses that factoid, and what it might mean for your investment accounts.

In the episode, he also referenced LPL Research's "chart of the day", which can be found here: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/the-first-five-days-of-2020-could-have-bulls-smiling.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-936319

Send in your questions!

]]> While not a perfect predictor of stocks (is there a perfect predictor), it's true that when S&P 500 returns in the first five trading days of a new year have been higher, the full-year total return for the S&P 500 has been positive 80% of the time. This week Brian discusses that factoid, and what it might mean for your investment accounts.

In the episode, he also referenced LPL Research's "chart of the day", which can be found here: https://i1.wp.com/lplresearch.com/wp-content/uploads/2020/01/the-first-five-days-of-2020-could-have-bulls-smiling.png?ssl=1

Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/
Tracking ID: 1-936319

Send in your questions!

]]> Ford Financial Group Buzzsprout-2485448 Mon, 13 Jan 2020 14:00:00 -0800 502 full false Tax Law Changes for Your 2019 Tax Filing Tax Law Changes for Your 2019 Tax Filing This week Brian talks about some of the tax law changes for 2019 as you prepare to head into the new tax season.


Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Send in your questions!

]]> This week Brian talks about some of the tax law changes for 2019 as you prepare to head into the new tax season.


Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Send in your questions!

]]> Ford Financial Group Buzzsprout-2361221 Mon, 06 Jan 2020 00:00:00 -0800 746 full false Outlook 2020 Outlook 2020 Are you able to see the future? Nope, neither can we. However, this week, Brian, Nik, Steve, and Dawn gathered to discuss the 2020 outlook for markets and the US & global economies. We broke down the 2020 outlook research piece from LPL Research to help us figure out where the investments may be headed as we embark on the new decade.

If you would like to read the research piece from LPL, click here: http://view.ceros.com/lpl/outlook-2020/p/1


Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Send in your questions!

]]> Are you able to see the future? Nope, neither can we. However, this week, Brian, Nik, Steve, and Dawn gathered to discuss the 2020 outlook for markets and the US & global economies. We broke down the 2020 outlook research piece from LPL Research to help us figure out where the investments may be headed as we embark on the new decade.

If you would like to read the research piece from LPL, click here: http://view.ceros.com/lpl/outlook-2020/p/1


Music:
Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/)

Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100499

Artist: http://incompetech.com/

Send in your questions!

]]> Ford Financial Group Buzzsprout-2361236 Mon, 30 Dec 2019 00:00:00 -0800 1520 full false What Goes Into a Retirement Plan? What Goes Into a Retirement Plan? Have you ever wondered why your financial planner asks you how much you make a year, or what your expenses are? One answer is that they are trying to get information that's key to creating a retirement income projection, or a financial plan.

In this episode, Ryan and Brian cover the important information from your financial life that goes into the creation of your personalized retirement plan, and how financial advisors work to figure out what kind of retirement trajectory you're on. When done correctly, this can help you retire with confidence and peace of mind.

Tracking #1-927602
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

Send in your questions!

]]> Have you ever wondered why your financial planner asks you how much you make a year, or what your expenses are? One answer is that they are trying to get information that's key to creating a retirement income projection, or a financial plan.

In this episode, Ryan and Brian cover the important information from your financial life that goes into the creation of your personalized retirement plan, and how financial advisors work to figure out what kind of retirement trajectory you're on. When done correctly, this can help you retire with confidence and peace of mind.

Tracking #1-927602
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

Send in your questions!

]]> Ford Financial Group Buzzsprout-2296037 Mon, 23 Dec 2019 00:00:00 -0800 1541 full false 10 Ways to Avoid Fraud 10 Ways to Avoid Fraud 'Tis the season! Nope, we're not talking about the holidays. We're talking about the increase of scam phone calls, and scam phone calls relating to Social Security in particular, over the holiday months.

At the end of last year, Social Security reported an increase in phone scam allegations by 30,592 in December 2018. That's more than the prior 14 months combined!

This week Ryan and Brian get together to discuss some things you can do to prevent becoming a victim of these scams, and address some of the specific Social Security scams we have heard about lately.

Tracking #1-927210
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

Send in your questions!

]]> 'Tis the season! Nope, we're not talking about the holidays. We're talking about the increase of scam phone calls, and scam phone calls relating to Social Security in particular, over the holiday months.

At the end of last year, Social Security reported an increase in phone scam allegations by 30,592 in December 2018. That's more than the prior 14 months combined!

This week Ryan and Brian get together to discuss some things you can do to prevent becoming a victim of these scams, and address some of the specific Social Security scams we have heard about lately.

Tracking #1-927210
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

Send in your questions!

]]> Ford Financial Group Buzzsprout-2295914 Mon, 16 Dec 2019 12:00:00 -0800 1440 full false Difficult Money Conversations with Family Difficult Money Conversations with Family You’ve heard it and I’ve heard it—never discuss religion and politics. It’s easy to understand why. Some folks hold very strong opinions, and it’s easy to get swept up into an un-winnable argument. Interestingly enough, though, politics and religion aren’t considered the most difficult subjects to tackle, according to a 2014 study by Wells Fargo.

Barely more than one-third of today’s parents report discussing the importance of saving money with their children frequently. And, sadly, about a third have a hard time discussing money with their spouse or partner, and 25% often end up in heated discussions.

Yet, it doesn’t have to be that way. This month, we discuss some suggestions for getting through these conversations cooperatively with your partner, your parents, and other loved ones.

Tracking #1-918507
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

Send in your questions!

]]> You’ve heard it and I’ve heard it—never discuss religion and politics. It’s easy to understand why. Some folks hold very strong opinions, and it’s easy to get swept up into an un-winnable argument. Interestingly enough, though, politics and religion aren’t considered the most difficult subjects to tackle, according to a 2014 study by Wells Fargo.

Barely more than one-third of today’s parents report discussing the importance of saving money with their children frequently. And, sadly, about a third have a hard time discussing money with their spouse or partner, and 25% often end up in heated discussions.

Yet, it doesn’t have to be that way. This month, we discuss some suggestions for getting through these conversations cooperatively with your partner, your parents, and other loved ones.

Tracking #1-918507
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

Send in your questions!

]]> Ford Financial Group Buzzsprout-2163899 Mon, 02 Dec 2019 00:00:00 -0800 952 full false Is a Roth IRA Conversion a Good Idea? Is a Roth IRA Conversion a Good Idea? Our office gets lots of questions from clients about whether converting money from a traditional IRA to a Roth IRA makes sense for them. It's a great question, because a Roth IRA has some tremendous advantages and it could make sense if you need to reduce your required minimum distributions down the road.

As Brian discusses in this episode, a move from a traditional IRA to a Roth IRA has some big pitfalls, and should only be done after consulting with your financial advisor and CPA or tax professional. A Roth conversion isn't right for everyone... and even if it is right for you, if you do a Roth conversion without the right planning and execution, you could wind up with a nasty and unexpected tax bill.


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]]> Our office gets lots of questions from clients about whether converting money from a traditional IRA to a Roth IRA makes sense for them. It's a great question, because a Roth IRA has some tremendous advantages and it could make sense if you need to reduce your required minimum distributions down the road.

As Brian discusses in this episode, a move from a traditional IRA to a Roth IRA has some big pitfalls, and should only be done after consulting with your financial advisor and CPA or tax professional. A Roth conversion isn't right for everyone... and even if it is right for you, if you do a Roth conversion without the right planning and execution, you could wind up with a nasty and unexpected tax bill.


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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-2163752 Mon, 25 Nov 2019 09:00:00 -0800 1139 full false Succession Planning for Business Owners Succession Planning for Business Owners If you're a business owner and considering retirement, you may quickly find that retiring isn't as simple of a process as it is for an employee who has decided to hang it up.  Instead, succession planning for business owners has a far greater complexity, that often includes items like finding successors, seeking a business valuation, and starting the process much earlier. Its items like these that help business owners maximize the equity in their business and allow for that equity to ultimately be withdrawn.

Why else might you consider succession planning as a business owner? Think of succession planning as peace of mind for the business you've worked so hard to build. A good succession plan build in advance of needing it can help you or your family deal with the unexpected, and protect the business you worked so hard to build should you become disable, die, get divorced, or decide to split with your business partner.



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]]> If you're a business owner and considering retirement, you may quickly find that retiring isn't as simple of a process as it is for an employee who has decided to hang it up.  Instead, succession planning for business owners has a far greater complexity, that often includes items like finding successors, seeking a business valuation, and starting the process much earlier. Its items like these that help business owners maximize the equity in their business and allow for that equity to ultimately be withdrawn.

Why else might you consider succession planning as a business owner? Think of succession planning as peace of mind for the business you've worked so hard to build. A good succession plan build in advance of needing it can help you or your family deal with the unexpected, and protect the business you worked so hard to build should you become disable, die, get divorced, or decide to split with your business partner.



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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-2083041 Mon, 18 Nov 2019 00:00:00 -0800 1099 full false Brining Student Loans Under Control Brining Student Loans Under Control Last year, college seniors graduated with a degree, a well-paying job (hopefully), and an average student loan debt of $29,200. No one is surprised by the high debt burden, as soaring college costs have been well documented. While a college education is a worthy investment, this kind of debt is a heavy burden for someone that is 22 or 23 years old.

This week we review some of the ideas covered in our October newsletter to clients, where we offered several ideas that can help bring your student debt loans, or any debt burden, under control.

Obviously, there is no magic formula. Debt is debt, it accrues interest, and lenders expect to be repaid.But if you set a goal, map out a plan, and stick to the blueprint, you’ll be surprised at the ground you can cover.



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]]> Last year, college seniors graduated with a degree, a well-paying job (hopefully), and an average student loan debt of $29,200. No one is surprised by the high debt burden, as soaring college costs have been well documented. While a college education is a worthy investment, this kind of debt is a heavy burden for someone that is 22 or 23 years old.

This week we review some of the ideas covered in our October newsletter to clients, where we offered several ideas that can help bring your student debt loans, or any debt burden, under control.

Obviously, there is no magic formula. Debt is debt, it accrues interest, and lenders expect to be repaid.But if you set a goal, map out a plan, and stick to the blueprint, you’ll be surprised at the ground you can cover.



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]]> Ford Financial Group Buzzsprout-2017158 Mon, 11 Nov 2019 06:00:00 -0800 823 full false Revisiting Required Minimum Distributions (RMD) Revisiting Required Minimum Distributions (RMD) As we get later in the year, we get more and more questions from folks about the rules surrounding required minimum distributions from retirement accounts, why they need to be taken, and what are the best methods for drawing the money out. For that reason, Ryan and Brian sat down again to review some of the in's and out's of "RMD", and discuss some of the method their clients prefer when drawing their funds out.

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]]> As we get later in the year, we get more and more questions from folks about the rules surrounding required minimum distributions from retirement accounts, why they need to be taken, and what are the best methods for drawing the money out. For that reason, Ryan and Brian sat down again to review some of the in's and out's of "RMD", and discuss some of the method their clients prefer when drawing their funds out.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1924142 Mon, 28 Oct 2019 06:00:00 -0700 1101 Stocks, bonds, RMD, IRS, IRA, 401k, Required minimum distribution, investing, CFP, financial advisor, 403b full false Impeachment & Markets Impeachment & Markets Speaker of the House Nancy Pelosi announced in late September that she would support an impeachment inquiry into President Donald Trump. We’ve received many requests from our clients asking what exactly this may mean for the stock market, so Ryan Louie and Brian Ullmann are here to discuss the potential impact on your investments.

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]]> Speaker of the House Nancy Pelosi announced in late September that she would support an impeachment inquiry into President Donald Trump. We’ve received many requests from our clients asking what exactly this may mean for the stock market, so Ryan Louie and Brian Ullmann are here to discuss the potential impact on your investments.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1842883 Mon, 14 Oct 2019 05:00:00 -0700 925 Stock, market, impeachment, trade, trump full false 6 Social Security Potholes to Avoid 6 Social Security Potholes to Avoid In this episode we discuss some 6 key mistakes you should try to avoid as you consider when and how to draw your Social Security benefits.

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]]> In this episode we discuss some 6 key mistakes you should try to avoid as you consider when and how to draw your Social Security benefits.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1767115 Mon, 30 Sep 2019 06:00:00 -0700 955 full false Let's Talk "Risk Tolerance" Let's Talk "Risk Tolerance" As a follow up to a previous episode about young investors and recessions, Brian, Nik, and Ryan define the term "risk tolerance" and how something like risk tolerance is determined and how it may impact the construction of your portfolio.



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]]> As a follow up to a previous episode about young investors and recessions, Brian, Nik, and Ryan define the term "risk tolerance" and how something like risk tolerance is determined and how it may impact the construction of your portfolio.



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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1659664 Mon, 23 Sep 2019 06:00:00 -0700 923 full false Young Investors & Recessions Young Investors & Recessions Brian, Nik, and Ryan delve into the question of how recessions might impact young investors. Should they worry about their retirement portfolios, or do recessions actually benefit their investments? We try to answer the question of what these younger investors (under 50) should really be worried about if recession is on the horizon.

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]]> Brian, Nik, and Ryan delve into the question of how recessions might impact young investors. Should they worry about their retirement portfolios, or do recessions actually benefit their investments? We try to answer the question of what these younger investors (under 50) should really be worried about if recession is on the horizon.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1602499 Mon, 09 Sep 2019 06:00:00 -0700 708 full false What's New with Social Security? Seven Things for 2019. What's New with Social Security? Seven Things for 2019. In this episode we touch on how Social Security paid a small cost-of-living adjustment this year. We also talk about how the COLA is determined, put it into context, and see what it means for your Social Security benefits going forward.

Another number affected by the cost-of-living adjustment is the earnings test threshold. We cover about how much you can earn in 2019 without having benefits withheld if you claim Social Security before full retirement age.

Next, we talk about taxes, both the Social Security payroll taxes, and the income taxes you may have to pay on your Social Security benefits.

For those of you on Medicare, we go over the new Part B premiums for 2019 and see why it’s not such a straightforward number anymore. We’ll also cover dates to watch in 2019.

We also give you an update on the status of the Social Security trust fund and discuss some ideas for reforming the system to make it solvent for the future.

And finally, we’ll give you an update on Social Security claiming strategies.



Tracking # 1-882558
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> In this episode we touch on how Social Security paid a small cost-of-living adjustment this year. We also talk about how the COLA is determined, put it into context, and see what it means for your Social Security benefits going forward.

Another number affected by the cost-of-living adjustment is the earnings test threshold. We cover about how much you can earn in 2019 without having benefits withheld if you claim Social Security before full retirement age.

Next, we talk about taxes, both the Social Security payroll taxes, and the income taxes you may have to pay on your Social Security benefits.

For those of you on Medicare, we go over the new Part B premiums for 2019 and see why it’s not such a straightforward number anymore. We’ll also cover dates to watch in 2019.

We also give you an update on the status of the Social Security trust fund and discuss some ideas for reforming the system to make it solvent for the future.

And finally, we’ll give you an update on Social Security claiming strategies.



Tracking # 1-882558
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1554256 Tue, 03 Sep 2019 06:00:00 -0700 1585 full false Nik and Brian Discuss the Inverted Yield Curve Nik and Brian Discuss the Inverted Yield Curve In this episode Nik and Brian discuss the "yield curve," what it is, and why it may be a good predictor of coming recessions... even though it doesn't tell us exactly when a recession may hit or how bad it may be. In August, a brief inversion of the yield curve between 10 Year treasury rate and 2 year treasury rate, which rattled equity markets.



Tracking # 1-882558
Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License

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]]> In this episode Nik and Brian discuss the "yield curve," what it is, and why it may be a good predictor of coming recessions... even though it doesn't tell us exactly when a recession may hit or how bad it may be. In August, a brief inversion of the yield curve between 10 Year treasury rate and 2 year treasury rate, which rattled equity markets.



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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License

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]]> Ford Financial Group Buzzsprout-1578664 Mon, 26 Aug 2019 06:00:00 -0700 875 full false Is a Trade Deal Still Possible? Is a Trade Deal Still Possible? Markets don't like uncertainly, but thanks to the trade skirmish between the US and China, they are getting a heavy dose of it now.

In this episode Brian and Ryan discuss whether a trade deal between the US and China is still possible, what might motivate the two countries to reach an agreement, and what the effects would be on markets if a deal was reached..... or if one isn't.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Markets don't like uncertainly, but thanks to the trade skirmish between the US and China, they are getting a heavy dose of it now.

In this episode Brian and Ryan discuss whether a trade deal between the US and China is still possible, what might motivate the two countries to reach an agreement, and what the effects would be on markets if a deal was reached..... or if one isn't.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1546678 Mon, 19 Aug 2019 06:00:00 -0700 613 full false The FIRE (Financial Independence, Retire Early) Movement The FIRE (Financial Independence, Retire Early) Movement Have you ever thought about retiring early? No.... we mean REALLY early. If so, the "FIRE" movement could be for you. In this episode we discuss what the FIRE movement is, how people are using this money management philosophy to try and retire super early, and how realistic the FIRE scenario really is. 





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]]> Have you ever thought about retiring early? No.... we mean REALLY early. If so, the "FIRE" movement could be for you. In this episode we discuss what the FIRE movement is, how people are using this money management philosophy to try and retire super early, and how realistic the FIRE scenario really is. 





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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1514638 Tue, 06 Aug 2019 19:00:00 -0700 853 full false S&P 500 Hits Target—Time to Sell? S&P 500 Hits Target—Time to Sell? The S&P 500 Index is within 1% of LPL Research's fair value S&P 500 target of 3,000 after rallying 20% this year and broaching that target several times in July. Now that we’re close to reaching the target, is it time to sell?


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]]> The S&P 500 Index is within 1% of LPL Research's fair value S&P 500 target of 3,000 after rallying 20% this year and broaching that target several times in July. Now that we’re close to reaching the target, is it time to sell?


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]]> Ford Financial Group Buzzsprout-1448050 Mon, 29 Jul 2019 08:00:00 -0700 385 full false Can Stocks Predict the Next President? Can Stocks Predict the Next President? In this episode we review how the stock market may give clues on who may win future presidential elections.

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]]> In this episode we review how the stock market may give clues on who may win future presidential elections.

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]]> Ford Financial Group Buzzsprout-1444156 Mon, 22 Jul 2019 13:00:00 -0700 613 full false Teaching Kids About Money Teaching Kids About Money In this episode we review our most recent newsletter and discuss various techniques of how to teach your young ones about money.

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]]> In this episode we review our most recent newsletter and discuss various techniques of how to teach your young ones about money.

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]]> Ford Financial Group Buzzsprout-1324465 Mon, 24 Jun 2019 12:00:00 -0700 1307 full false Social Security Basics Social Security Basics In this episode we discuss some of the basics of Social Security, such as the mechanics of how benefits are calculated, the choice of what age to start collecting benefits, and some of the rules about spousal benefits and how things like death or divorce can affect them.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> In this episode we discuss some of the basics of Social Security, such as the mechanics of how benefits are calculated, the choice of what age to start collecting benefits, and some of the rules about spousal benefits and how things like death or divorce can affect them.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1245728 Thu, 06 Jun 2019 11:00:00 -0700 1615 full false Required Minimum Distributions Required Minimum Distributions In this episode we discuss the details and rules surrounding Required Minimum Distributions, including when the distributions must be taken, how much, and by whom.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> In this episode we discuss the details and rules surrounding Required Minimum Distributions, including when the distributions must be taken, how much, and by whom.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1213499 Thu, 30 May 2019 09:00:00 -0700 980 full false Saving for College Saving for College In this episode we discuss the use of 529 College Savings Plans to help parents and students save for the ever-increasing costs with college. We cover the key items that make 529 College Savings Plans such a useful tool, as well as some of the drawback and limitations. We also touch on the cost differences between various public and private universities, and the projected increase in costs for tuition over the next decade.

Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> In this episode we discuss the use of 529 College Savings Plans to help parents and students save for the ever-increasing costs with college. We cover the key items that make 529 College Savings Plans such a useful tool, as well as some of the drawback and limitations. We also touch on the cost differences between various public and private universities, and the projected increase in costs for tuition over the next decade.

Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

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]]> Ford Financial Group Buzzsprout-1150148 Wed, 15 May 2019 14:00:00 -0700 1344 full false Earnings Season Earnings Season In this episode we discuss what "earnings season" is, and why it may impact the the direction of the markets and, therefore, your portfolio. We touch on how a company's earnings means for a company's stock price (the price/earnings ratio), and what may be ahead for markets in the short term.

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]]> In this episode we discuss what "earnings season" is, and why it may impact the the direction of the markets and, therefore, your portfolio. We touch on how a company's earnings means for a company's stock price (the price/earnings ratio), and what may be ahead for markets in the short term.

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1040666 Mon, 15 Apr 2019 11:00:00 -0700 932 investing, retirement, CFP, stock, bond, markets full false Yield Curve Yield Curve Lately the subject of the "yield curve" has been covered quite a bit by the financial media and has led to lots of questions about it from clients. So, in our third episode we discuss what the yield curve is, what it means when it flattens and inverts, and how it might potentially impact markets and investment porfolios.


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]]> Lately the subject of the "yield curve" has been covered quite a bit by the financial media and has led to lots of questions about it from clients. So, in our third episode we discuss what the yield curve is, what it means when it flattens and inverts, and how it might potentially impact markets and investment porfolios.


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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> Ford Financial Group Buzzsprout-1032416 Wed, 10 Apr 2019 09:00:00 -0700 933 full false What is a Fiduciary? What is a Fiduciary? In our second episode we try to help clients answer the questions "what is a fiduciary?"

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]]> In our second episode we try to help clients answer the questions "what is a fiduciary?"

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Music Attribution: Hopeful Start by John Bartman, License CC BY-SA 4.0 (Attribution-ShareAlike License)


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]]> Ford Financial Group Buzzsprout-1032210 Tue, 09 Apr 2019 08:00:00 -0700 833 investing, retirement, CFP, stock, bond, markets full false Markets, Rates, Insurance Markets, Rates, Insurance In our first episode we discuss recent market volatility, the effects that continued low interest rates may have on bond portfolios and consumers, and we finish with a financial planning issue relating to retiree healthcare before age 65.


Music Attribution:

Title: Hopeful Start

Artist: John Bartman

License: CC BY-SA 4.0 (Attribution-ShareAlike License)

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]]> In our first episode we discuss recent market volatility, the effects that continued low interest rates may have on bond portfolios and consumers, and we finish with a financial planning issue relating to retiree healthcare before age 65.


Music Attribution:

Title: Hopeful Start

Artist: John Bartman

License: CC BY-SA 4.0 (Attribution-ShareAlike License)

Send in your questions!

]]> Brian Ullmann & Ryan Louie Buzzsprout-996596 Thu, 14 Mar 2019 21:00:00 -0700 643 investing, retirement, CFP, stock, bond, markets full false