FFG Financial Insights

**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.comThe 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.comThe 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 TakeawaysTax Incentives Are Better Than EverMarc 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.Boost Employee RetentionA 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.Retirement Savings for Business OwnersA 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.Plan Costs Are Lower Than You ThinkThanks 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 ResourcesWall Street Journal: Older Workers Can Now Supersize Their 401(k) Savings This article dives into the new “super catch-up” contributions for workers aged 60 and older, starting in 2025. Learn how this feature can help both employees and business owners boost their retirement savings.PlanSponsor: Plan Sponsors May Be Paying Too Much in DC Plan Fees Discover how 401(k) fees have dropped significantly, making it easier for small businesses to afford these plans without sacrificing quality.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.comThe 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.comThe 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.comThe 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 marketsMoney 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.comThe 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!

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.comThe 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!

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:What triggers a DOL audit?What happens during a DOL audit?How can employers or plan sponsors prepare for these audits?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.comThe 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.comThe 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.comThe 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.comThe 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.comThe 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.

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.comWatch on YouTube: https://www.youtube.com/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

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.

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

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/3RKkZXGWatch on YouTube: https://www.youtube.com/@fordfinancialgroupSubscribe 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.comWeb: FordFG.comThe 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.

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/@fordfinancialgroupSubscribe 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.comWeb: FordFG.comThe 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.

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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.

Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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 

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/@fordfinancialgroupSubscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...Questions? Email us at info@FordFG.comWeb: FordFG.comThe 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 

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/@fordfinancialgroupSubscribe 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.comWeb: FordFG.comThe 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

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 chartClick here for Brian's chartAnd the Wall Street Journal ArticleQuestions? Email us at info@FordFG.comWeb: FordFG.comThe 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 #493956-1

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 WebinarSubscribe on Apple Podcasts (or wherever you listen to podcasts)Click here for Ryan's chartClick here for CNN's Fear and Greed IndexSeasonality chart referenced by Brian from All Star ChartsQuestions? Email us at info@FordFG.comWeb: FordFG.comThe 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 #488593-1

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 chartClick here for Brian's 1st chartClick here for Brian's 2nd chartQuestions? Email us at info@FordFG.comWeb: FordFG.comMusic: 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.

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/researchOil Charts:https://twitter.com/Barchart/status/1699158280768045147?s=20https://twitter.com/LizYoungStrat/status/1699161088372232629?s=20Tracking ID 476923-1Questions? Email us at info@FordFG.comWeb: FordFG.comMusic: 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.

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.htmlNational Retail Federation Back to School Spending: https://nrf.com/insights/holiday-and-seasonal-trends/back-to-schoolWSJ Streamflation: https://www.wsj.com/articles/disney-max-hulu-netflix-streaming-price-2c3bac2aConference Board LEI: https://www.conference-board.org/topics/us-leading-indicatorsBespoke Investment Group S&P 500 Returns over time: https://twitter.com/bespokeinvest/status/1693642124820914528?s=20Tracking ID 471318-1

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 1Job Growth Chart 2Market Reaction to 2011 Credit DowngradeTracking # 467084-1Tracking # 1-05376752Tracking #1-05377068

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

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 StreakTracking #1-05375971Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

@VisualCap Visual Capitalist@SoberLook (((The Daily Shot)))Tracking # 457233-1Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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.Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 HEREVisual Capitalist Debt Ceiling Chart HEREVisual Capitalist Rate Increase Chart HERETracking 454169-1Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 # 1-05373425Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 chartTracking 1-05372748Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 episodeClick here for a treasury yield chartQuestions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 FinishesQuestions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 1Chart 2Chart 3Tracking # 1-05369269Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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.  Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 # 1-05366963Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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.Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

Find us at FordFG.comEmail us at info@fordfg.comThis 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 ProgressionChart: S&P 500 Monthly ReturnsChart: S&P 500 Daily April ProgressionChart: December Lows IndicatorTracking # 1-05366146, 424964-1Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 DayTracking # 1-05365102Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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/dyw5TQvzFigTracking #421267-1Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...

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 #421271-1Questions? Email us at info@FordFG.com.Web: FordFG.comMusic: Cold Funk - Funkorama by Kevin MacLeod is licensed under a Creative Commons Attribution license. Source. The Advisors of Ford Financial Group are a Registered Representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Perennial Investment Advisors and Ford Financial Group are separate entities from LPL Financial. This material is for general info only and 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. 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. All performance referenced is historical an...