Top of Mind with Consilio Wealth

Welcome to our Q2 2025 market commentary!Join us as we discuss:➡️Q1 review➡️Cars and tariffs➡️Bonds and interest rates➡️Our outlook➡️Bull case / Bear caseTo stay in the loop on more insights, visit: www.consiliowealth.com/insightsDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️What's going on in markets right now➡️Liberation day and what we think is nextTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Correction on uncertainty➡️Consumer confidence hits a new low➡️Maleficent 7To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Tariffs➡️The top 10% account for 50% of consumer spending➡️Trump trade unwound➡️Consumer confidence To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Trump's FTC➡️Federal worker reduction➡️International stocks beating US➡️RIP US pennyTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Mag 7 earnings expectations (they're high)➡️DeepSeek➡️Tariffs➡️Eggs...again...➡️Amazon exceeds Walmart in revenueTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Predictions from 2024 that were wrong and right➡️Hao's predictions for 2025➡️Chris' predictions for 2025To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Record low cash allocation➡️Fed changes its tune on rate cuts➡️Mag 7 still dominating➡️Washington state minimum wageTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Earnings buzzword - tariffs➡️FTC and SEC leadership➡️Crypto and M&A➡️Social Security Tax Cuts➡️The state of financial literacyTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️The Trump trade➡️Tax Cuts and Jobs Act round 2➡️Inflation and immigration➡️FTC and SEC leadershipTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Longshoremen union still holding out➡️Tesla's robo taxi➡️Social Security tax limits for 2025➡️Boeing lays off 10% of workforce➡️High-yield savings dropping like a rockTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️AMZN requires employees in office 5 days a week➡️First inflation print after rate cuts➡️META impresses at product launch➡️Jobs blowoutTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Welcome to our Q4 2024 market commentary!Join us as we discuss:➡️Volatility➡️S&P nearly touches a correction➡️Fed rate cuts➡️The election➡️Our outlookTo stay in the loop on more insights, visit: www.consiliowealth.com/insightsDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️The Fed cuts rates by .50%!!!➡️Domino effects of a rate cut➡️Microsoft inks deal to buy energy from Constellation to satisfy AI needsTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️GLP-1 drug usage and impacted industries➡️Bare necessities➡️Taxing unrealized gains➡️Thematic ETFs (watch out)To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Companies aren't concerned about the economy➡️Chipotle CEO goes to Starbucks, and gets a remote job➡️The Fed swings dovish & jobs➡️Grocery store gouging To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Market selloff...worried?➡️Unwinding the carry trade➡️Fed pause (and blame?)➡️Sahm Rule goes viralTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Three stocks drove 50% of S&P gain in the first half of 2024➡️Small caps register 6 months of performance in days➡️Presidential market timing➡️The top performing stock of the last yearTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Welcome to our Q3 2024 market commentary!Join us as we discuss:➡️The Mag 7 return to dominance➡️Interest rate cuts (still waiting but getting closer)➡️The strong dollar & the consumer➡️Out outlookTo stay in the loop on more insights, visit: www.consiliowealth.com/insightsDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️We're at a 50 year high for concentration on the S&P 500➡️Consumer health check, mostly in good shape➡️The Fed softens stance on rates➡️Election result forecastsTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Consumers are running out of steam (or money)➡️Inflation print was as expected➡️The Fed's planTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Commercial real estate delinquencies ➡️Inflation trend, historically speaking➡️It's never a good time to sell➡️Smooth markets over the past 18 monthsTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️How does the VIX work?➡️Earnings scorecard: Just say AI➡️Utilities companies benefiting from AITo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️The Dow hits 40k! How does the Dow work anyway???➡️US population is moving south➡️S&P 500 predictions vs actual (spoiler, they suck)➡️Homeowners in Seattle are stuck in their low mortgage ratesTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Measuring Fed confidence➡️Party's over: Performance and politics➡️Earnings scorecard➡️Celebrating a miss in the jobs reportTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss:➡️Past periods of market ups like now, and how common they are➡️Gold: Not as shiny as you may think➡️S&P 500 YOY earnings is projected at 7%➡️10 best performing stocks, they aren't what you think they areTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Welcome to our Q2 2024 market commentary!Join us as we discuss:➡️Q1 review➡️AI winners and losers➡️Our outlook➡️Japan & IndiaTo stay in the loop on more insights, visit: www.consiliowealth.com/insightsDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski as he runs solo today to discuss:➡️A recap of Q1 2024 market performance➡️The jobs report crushes it, and the market loves it➡️Do anything but stay in cash➡️Disney's proxy fight (did anyone see this??)To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they the discuss:➡️The NAR settlement➡️How top companies don't remain at the top forever➡️GDP growth➡️S&P 500 companies say "AI" and their stock goes up➡️Analysts predict 7% up from hereTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss Google's Gemini problem, Altman vs Musk, how the stock market is expensive right now, and Trump slams Meta sending shares down 5%. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the typo in Lyft's earnings report, NVDA earnings and AI, England and Japan fall into recession, retail investors are incredibly bullish, and did you know that 22% of returns over 100 years came from 5 stocks? To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the spike in layoffs in January 2024, the S&P 500 hits 5000 which is an all-time high, and that Nvidia is now bigger than Amazon.To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the special CD rate that Chris received on his Marcus HYSA. Remember that 529 plan that Chris started? It's up, a lot. Retail spending...still higher. And "Loud Budgeting."To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Welcome to our Q1 2024 market commentary!Chris Kaminski & Hao Dang discuss the year in review, the catch-up rally in Q4, inflation and wage growth, our outlook for 2024, and what we think interest rates will do in 2024. To stay in the loop on more insights, visit: www.consiliowealth.com/insightsDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss 2023 forecasting vs what actually happened, last year performance by category vs 2022, retail spending cam in higher...again, and the era of subsidized online services continues to erode.To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the predictions they made about 2023, and what they got wrong and right. They also set their 2024 for the upcoming year! To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the new study from Empower showing that Millennials need 525k of income to be happy, an update on holiday spending numbers, and how consumer confidence is calculated. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the new prosperity study by Intuit, the national association of realtors was found guilty of price gouging and inflating home prices, the US economy is still strong, and what Alibaba's singles day says about China's economy. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss big tech earnings, retail theft, and the interest rate increase on Series I bonds.To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss China's real estate implosion, the CD market and lack of available inventory, consumer spending smashes expectations and interest rates jump, and how autoworkers are worried about EV jobs. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Welcome to our Q4 market commentary podcast!Chris Kaminski & Hao Dang discuss the strength of the US dollar, how the Fed seems to be done raising interest rates (or close to it), series I bonds and more about bonds, review market performance of Q3 and wrap up with their outlook for Q4. To stay in the loop on more insights, visit: www.consiliowealth.com/insightsDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the rise in popularity of Series I bonds and if now is the time to cash them in. They also cover the the lure of yields in money markets vs high-yield savings accounts vs bonds. Don't miss the boat on bonds right now!To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the US dollar strength in 2023, the Fed holds interest rates steady but says one more to come, the Government shutdown, and the UAW strike.To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the how tipping is everywhere, even at self-checkout, have you noticed this too? Regional banks are forced to raise reserves. And The Great Resignation appears to be over. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the how Fed spooked markets about inflation, mortgage rates hit their highest point since 2000, the recession that's going on for Airbnb property owners, and US home sales fall but not in the west. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the Fitch downgrades of US debt, mortgages, and warnings on 10 banks. Big tech earnings news, which was mostly a mixed bag. And just 10% of people plan to take Social Security at age 70. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss the financial media, the magnificent 7, the Fed hikes and the markets shrug, and how burritos and hamburger prices are up like a rocket and down like a feather. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Welcome to our Q2 review, Q3 market commentary podcast!Chris Kaminski & Hao Dang discuss how the magnificent 7 lead the way, tech's profits now cost 2x compared to the rest of the market, our outlook on interest rates, and how international stocks have been a good diversifier this year. To stay in the loop on more insights, visit: www.consiliowealth.com/insightsDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss high-yield savings accounts and how the high-yield likely won't last forever. What General Mills earnings says about inflation. And how Americans are feeling great about the economy right now.To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Join Chris Kaminski & Hao Dang as they discuss what is going on with mortgage rates, Zuck vs Elon brawl in Vegas, the headlines say that now is a good time to invest, and does market timing really matter? To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

Welcome to the first release of our market commentary podcast! Chris Kaminski & Hao Dang will release quarterly updates outlining Consilio Wealth's review of the prior quarter and outlook on the coming quarter. In addition, we'll answer questions that we've consistently heard from our listeners. To stay in the loop on more insights, visit: www.consiliowealth.com/insights Do you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures