Blog

Stocks rose over the short trading week on fresh hopes for a quick end to the Middle East conflict, while March job growth was unexpectedly strong.The Standard & Poor’s 500 Index picked up 3.36 percent, while the Nasdaq Composite Index...

Markets remain volatile amid Middle East tensions and inflation pressure, keeping the Fed constrained. Still, the backdrop isn’t all negative: the economy remains resilient, cash is sitting on the sidelines, and valuations have...

Markets remain under pressure as geopolitical risks rise, with news that Iran‑backed Houthis have entered the conflict dampening hopes for de‑escalation and keeping investors focused on oil prices, yields, and equities. Chief...

Watch the Cetera Investment Management Team's video of their 2026 Q2 Outlook. Despite elevated geopolitical uncertainty, the economic and market backdrop entering 2026 remains largely on track. U.S. growth could surprise to the upside,...

Markets often shake off wars—but this time may be different. Elevated oil prices, a stronger dollar, and stretched valuations are colliding. With energy supply risks rising, volatility could persist. Chief Investment Officer Gene...

As we welcome April, the Social Security Administration is marking National Social Security Month. This annual public awareness campaign is a wonderful opportunity to learn about how Social Security works and how to get more info about...

Whether you’re just starting out on your wealth-building journey or closing in on retirement, the tips below can help you remain on track toward your goals at every stage of life.1. Embrace the power of compoundingWhen it comes to...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, March 16, 2026

Markets are navigating heightened geopolitical risk—but this week’s Fed meeting could be an important source of stability. With interest rates expected to remain unchanged, inflation still above target, and markets closely watching...

In a recent survey, 78% of retirees say they’re confident they will have enough money to live comfortably throughout retirement. 1 But what does retirement confidence really mean?Retirement confidence reflects an individual’s belief...

Markets often shake off geopolitical shocks — but this time, volatility may stick around longer. With oil prices surging, the dollar acting as a safe haven, and valuations already stretched, uncertainty is creating stronger headwinds...

Markets are confronting a mix of geopolitical shock, recent equity weakness, and a busy economic calendar — conditions that could fuel near‑term volatility without necessarily derailing the broader trend. With Middle East tensions...

In the latest commentary, the Cetera Investment Management team breaks down the recent escalation in the Middle East, what it could mean for energy markets and inflation, and why global equities may avoid a disorderly selloff. CLICK TO...

Stocks ended a choppy four-session run in the green, with tech-led momentum earlier in the week prevailing over news of a slowing economy, sticky inflation, and geopolitical tensions.The Standard & Poor’s 500 Index advanced 1.07...

Between tariff headlines, rising geopolitical tensions, and a disappointing GDP report, it’s easy to assume the economic outlook is deteriorating. But the full picture tells a more constructive story. Chief Investment Officer Gene...

Weekly RecapFebruary 9-13, 2026Wider Participation Supports Market ResilienceAI Stocks Drag on PerformanceMarkets continued to feel the effects of AI‑related volatility for a second straight week, as investors work to determine how AI...

Stocks have pulled back in recent weeks — but the data points to opportunity, not alarm. With economic indicators surprising to the upside, corporate earnings coming in strong, and market breadth improving, this weakness may create...

Weekly RecapFebruary 2-6, 2026Rotation Favors Value Over TechTech Slides on AI ConcernTech sold off in a volatile week as AI disruption concerns resurfaced. Pressure intensified after an AI company launched an enterprise‑focused AI...

The Fed meets this week — but the data suggests no rate cut. With inflation still above target, jobs stabilizing, and long‑term yields rising, policymakers may see little need to move. Chief Investment Officer Gene Goldman breaks down...

Monthly RecapMarket IndicesAt-A-GlanceDespite volatile swings during the second half of the month, the S&P 500 gained nearly 1.5% in January, closing at 6,939. That’s just 0.57% below its most recent all-time high set on January 27 at...

Stocks were mixed last week as investors navigated Q4 corporate results, a widely expected Fed decision, and a handful of economic reports.The Standard & Poor’s 500 Index rose 0.34 percent, while the Nasdaq Composite Index edged down 0...

The Fed meets this week — but the data suggests no rate cut. With inflation still above target, jobs stabilizing, and long‑term yields rising, policymakers may see little need to move. Chief Investment Officer Gene Goldman breaks down...

Markets ended a short but eventful week slightly lower amid geopolitical tensions and fresh tariff threats. However, constructive economic news appeared to buoy spirits as the week progressed.The Standard & Poor’s 500 Index fell 0.35...

The Fed meets this week — but the data suggests no rate cut. With inflation still above target, jobs stabilizing, and long‑term yields rising, policymakers may see little need to move. Chief Investment Officer Gene Goldman breaks down...

Earnings season is here — and markets are paying close attention. Corporate earnings play a major role in driving stock prices, and this quarter could set the tone for 2025. With expectations for S&P 500 earnings growth and big sector...

As the World Economic Forum kicks off in Davos, geopolitical tensions are once again shaping market sentiment. With new tariff threats, renewed diplomatic pressure, and an imminent Supreme Court ruling, near term volatility is poised...

All eyes are on Tuesday’s Consumer Price Index report—the first timely read on inflation in months and a key signal for the Fed. Early signs point to upward pressure: potential payback from understated November data, strong holiday...

Weekly RecapDecember 29, 2025 - January 2, 2026Stocks Retrace Prior Week GainsFriday’s Start to 2026 Ends PositiveThe S&P 500 backpedaled last week, giving back most of its 1.2% prior week gain as investors bemoaned a lack of traction...

Stocks trended lower last week amid signs of year-end profit-taking and some sour investor sentiment over the Fed meeting minutes.The Standard & Poor’s 500 Index fell 1.03 percent, while the Nasdaq Composite Index lost 1.52 percent....

Quarterly RecapMarket IndicesAt-A-GlanceThe S&P 500 ended the year at 6,845.50, 1.25% below its 39th all-time high of the year set on 12/24/25, its first Christmas Eve record since 2013. While gaining just 0.06% in December, the index...

Low holiday trading volume and sparse economic data put the spotlight on one thing: the Fed’s divide. This Wednesday’s FOMC meeting minutes could reveal more about the December rate cut and why not every Fed member agreed. With some...

As market activity slows and economic data becomes scarce, we’re looking ahead to 2026 and the three key investment themes likely to shape the economy and financial markets. From a stronger-than-expected economy to lower market returns...

Weekly Market Insights | Stocks Mixed; Fed Makes a Move

John Schooler CFS®, ChFC®

Tuesday, December 16, 2025

Stocks ended last week mixed. A widely anticipated Federal Reserve decision on interest rates and a rotation into non-tech areas helped push the Dow Industrials higher, while the broader market and technology stocks lagged behind. The...

Due to the government shutdown, October and November reports are hitting at once—revealing a labor market under pressure and consumer spending losing steam. With CPI expected to rise to 3.1%, bond investors and policymakers are on...

All eyes are on the Fed’s last interest rate meeting this Tuesday, with an expectation that rates will be cut – but the real story will be Chair Jerome Powell’s press conference after the meeting. Chief Investment Officer Gene Goldman...

What’s behind recent market weakness? AI concerns, Fed uncertainty, and crypto declines have pressured a market priced for perfection—despite Friday’s bounce on hopes for a rate cut. Chief Investment Officer Gene Goldman breaks down...

What’s behind recent market weakness? AI concerns, Fed uncertainty, and crypto declines have pressured a market priced for perfection—despite Friday’s bounce on hopes for a rate cut. Chief Investment Officer Gene Goldman breaks down...

In this latest commentary, the Cetera Investment Management Team breaks down what’s behind recent market weakness and why it may signal opportunity—not risk. AI concerns, shifting Fed expectations, and crypto volatility have pressured...

Mixed equity moves and AI scrutiny fade behind one question: Will the Fed cut rates again? This Wednesday’s FOMC minutes could offer clues. With only a 45% chance of a December cut, investors are watching how the Fed weighs inflation...

2025 is coming to a close, and as we head into the final stretch, it’s the perfect time to make sure your year-end planning is on track. From “super catch-up” contributions for those nearing retirement to new updates under the One Big...

All eyes are on the Fed this week. Chief Investment Officer Gene Goldman breaks down why a rate cut is likely at the upcoming FOMC meeting—and what the Fed’s comments could show about how they plan to move going forward. Start the...

Stocks pushed higher last week, buoyed by strong third-quarter results posted by several money center banks. The Standard & Poor’s 500 Index gained 1.70 percent, while the Nasdaq Composite Index rose 2.14 percent. The Dow Jones...

With most government data on hold, this week’s CPI report stands out as a key signal for the Fed and the markets. Chief Investment Officer Gene Goldman breaks down what to expect from Friday’s inflation reading and why it could...

Good news for seniors: introduced under the One Big Beautiful Bill Act (OBBBA), beginning with the 2025 tax year, anyone age 65 or older can take a new Senior Bonus Deduction of up to $6,000 per person (or $12,000 for couples if both...

In this latest commentary, the Cetera Investment Management Team explores how rising U.S.–China trade tensions are fueling market volatility—and why that may present a buying opportunity. Despite near-term uncertainty, strong...

Listen to Cetera Chief Investment Officer Gene Goldman as he shares an update to our primary investment themes and discusses why equity markets may struggle near-term, but any sell-off remains a buying opportunity.

Quarterly Recap Market Indices At-A-Glance The S&P 500 ended the third quarter at 6,688.46, just 0.08% below its 28th record high of the year set on 9/22/25. The index has surged 35.07% from its April 8 correction low at 4,982.77. The...

With a rate cut widely expected, all eyes are on what the Fed signals about the path ahead. Chief Investment Officer Gene Goldman breaks down the updated Dot Plot, Powell’s messaging on inflation and growth, and what it could mean for...

With a September rate cut all but certain, this week’s CPI report could be key in shaping what the Fed does next. Chief Investment Officer Gene Goldman breaks down the Fed’s dual mandate, what recent labor market weakness means for...

Last week, Fed Chair Jay Powell signaled a potential rate cut at the September meeting – but could more be on the horizon? Chief Investment Officer Gene Goldman, CFA breaks down how the upcoming PCE Deflator report might indicate the...

Stocks were mixed last week despite a powerful Friday rally sparked by Federal Reserve Chair Jerome Powell, who opened the door to adjusting short-term interest rates. The Standard & Poor’s 500 Index picked up 0.27 percent while the...

Cetera’s Chief Investment Officer, Gene Goldman, discusses the recent tariff-induced market selloff and shares why he remains optimistic about a potential rebound, with equity prices possibly ending the year higher than they are today...

Expectation-beating Q2 results from several companies, trade updates, and investor optimism for more trade agreements pushed market averages to solid gains. The Standard & Poor’s 500 Index advanced 1.46 percent, while the Nasdaq...

The Fed may have voted unanimously to hold rates steady—but the real story might be in the fine print. Chief Investment Officer Gene Goldman breaks down why the latest Fed meeting minutes could reveal growing divisions within the...

Quarterly Recap Market Indices At-A-Glance The S&P 500 ended the second quarter at 6,204.95, its fifth record high of the year. The index surged 24.92% to more than fully recover all losses from its April 8 low at 4,982. The Dow Jones...

It’s a quiet week on the economic data front—but the Fed has the floor. With markets parsing every word from Chair Powell and fellow policymakers, “Fedspeak” could offer crucial clues about the path of interest rates, inflation, and...

In this commentary, the Cetera Investment Management Team discusses this weekend’s U.S. bombing of Iranian nuclear sites which has increased geopolitical tension. Futures markets have responded with measured caution. While risks...

In this commentary, the Cetera Investment Management Team discusses the Israel-Iran conflict, the potential market implications, and how investors should navigate this uncertainty by staying disciplined and diversified, along with...

This week’s Consumer Price Index (CPI) report could be the first real sign of how recent tariffs are impacting inflation. With markets watching closely, will prices surge, or will seasonal factors help ease the pressure? Chief...

Stocks rallied last week as investors responded to upbeat economic data and easing trade tensions. The Standard & Poor’s 500 Index added 1.50 percent, while the Nasdaq Composite Index rose 2.18 percent. The Dow Jones Industrial...

The market has rebounded since April’s tariff-driven selloff, but new risks are on the horizon. Rising bond yields could bring higher borrowing costs, shifting investor sentiment, and pressure on stock valuations—potentially slowing...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, May 12, 2025

This week, we’ll see our first inflation readings since the application of tariffs. Chief Investment Officer Gene Goldman explains why inflation may come in higher than expected – and what that could mean for a potential Fed rate cut....

Monthly Recap | April 2025

John Schooler CFS®, ChFC®

Monday, May 5, 2025

Monthly Recap Market Indices At-A-Glance The S&P 500 declined just 0.68% in April, capping a third straight monthly decline, its longest stretch of declines since 2023. April’s fractional decline follows a 5.6% decline in March. The...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, May 5, 2025

While tariffs remain a key focus, this week’s Fed meeting is equally important. Chief Investment Officer Gene Goldman shares his insights on potential rate cuts and data from Chairman Jay Powell’s conference. Start the Week...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, April 21, 2025

With tariff uncertainty still looming large, earnings season also accelerates this week. Chief Investment Officer Gene Goldman explains how earnings season could provide additional context for market direction. Start the Week...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, April 15, 2025

Markets will keep a close eye on tariffs and trade negotiations this week. Chief Investment Officer Gene Goldman discusses why he believes the 90-day tariff pause will be extended and why he remains optimistic stocks will finish the...

Webinar Replay | Tariff-Driven Equity Market Selloff

John Schooler CFS®, ChFC®

Tuesday, April 8, 2025

Cetera’s Chief Investment Officer, Gene Goldman, discusses the recent tariff-induced market selloff and shares why he remains optimistic about a potential rebound, with equity prices possibly ending the year higher than they are today...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, April 7, 2025

While President Trump’s more aggressive than expected tariff announcements last week led to dramatic selloff in the stock market, Chief Investment Officer Gene Goldman still sees some possible silver linings. He lays out three...

Commentary | 4.3.25 | Larger Than Expected Tariffs Worry Investors

John Schooler CFS®, ChFC®

Thursday, April 3, 2025

In this commentary, the Cetera Investment Management Team discusses the newly announced tariffs, their potential impacts and what this means for your portfolio. Tariffs create a lot of uncertainty and a lot of volatility. Investors...

Themed Commentary | 4.1.25 | Time Is on Our Side

John Schooler CFS®, ChFC®

Tuesday, April 1, 2025

Cetera Investment Management’s latest commentary, “Time Is on Our Side,” explores the powerful impact of long-term investing. In a world driven by instant gratification and short-term thinking, successful investing requires patience....

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, March 31, 2025

This week will be an important one for financial markets. Chief Investment Officer Gene Goldman explains how we’ll learn about tariff policy and get an early reading on March’s economy. Start the Week Strong  As always, please...

Stock Pullbacks Are Helpful, Not Hurtful

John Schooler CFS®, ChFC®

Monday, March 17, 2025

Do me a favor: print the chart in this email and pin it to your wall. I want you to have a constant reminder that stock prices see pullbacks several times during the year. It’s a normal, healthy part of the investing cycle. Is it...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, March 17, 2025

Chief Investment Officer Gene Goldman doesn’t expect the Fed to discuss rate cuts at its meeting this week, but he still expects to learn significant information. He explains his top three (or four) expectations from this week’s...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, March 11, 2025

While the stock market faces significant worries, the Cetera Investment Management team still sees reasons for optimism. Chief Investment Officer Gene Goldman explains the primary reasons he views recent market weakness as a potential...

Commentary | 3.10.25 | Reasons to Be Optimistic in This Downturn

John Schooler CFS®, ChFC®

Tuesday, March 11, 2025

In this commentary the Cetera Investment Management Team discusses the recent market volatility and reasons why this market selloff may be close to being over and may prove to be another buying opportunity. CLICK TO READ  As...

Monthly Recap | February 2025

John Schooler CFS®, ChFC®

Wednesday, March 5, 2025

Monthly Recap Market Indices At-A-Glance The S&P 500 backpedaled 1.30% in February, trimming its January gain nearly in half. The index ended February 3.09% below its record high set on February 19. The Dow Jones Industrial Average...

Commentary | 3.4.25 | Tariffs Compound Weakening Economic Data

John Schooler CFS®, ChFC®

Tuesday, March 4, 2025

In this commentary the Cetera Investment Management Team discusses Monday’s market selloff fueled by news around tariffs and weakening economic data. Risks continue to rise as uncertainty about economic growth increases. These worries...

Tariffs, DeepSeek: What Else is Coming in 2025?

John Schooler CFS®, ChFC®

Wednesday, February 26, 2025

Like you, I’ve read a few unsettling headlines in recent weeks–which has led to some moving and shaking on Wall Street. First, we read that “Chinese Start-Up DeepSeek Threatens American Artificial Intelligence Dominance.” That led to...

Weekly Market Insights | New Indicators Rattle Investors

John Schooler CFS®, ChFC®

Monday, February 24, 2025

Stocks fell last week as concerns about sticky inflation and the pace of economic growth rattled investors. The Standard & Poor’s 500 Index declined 1.66 percent, while the Nasdaq Composite Index dropped 2.51 percent. The Dow Jones...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, February 24, 2025

This week, we’ll receive the Core PCE report. Chief Investment Officer Gene Goldman explains why markets and the economy care so much about this key inflation measure. Start the Week Strong As always, please reach out to the office if...

Weekly Recap | February 18, 2025

John Schooler CFS®, ChFC®

Wednesday, February 19, 2025

Weekly Recap February 10-14, 2025 Stocks Rebound Relief Rally Hemmed in by Sticky InflationAll three major U.S. equity averages ended positive last week, capping gains for the first time in three weeks. Investor sentiment improved...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, August 20, 2024

The Fed’s next moves are in focus. Chief Investment Officer Gene Goldman discusses what we can expect to learn from the Fed’s meeting minutes and Chair Powell’s upcoming Jackson Hole speech, and the potential impact on future rate...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, August 5, 2024

Risks have increased as U.S. stocks have fallen. Chief Investment Officer Gene Goldman explains why a correction is likely – but a bear market is not. Start the Week Strong As always, please reach out to the office if you have any...

Weekly Market Insights: Fed Goes Dove; Investors Retreat

John Schooler CFS®, ChFC®

Monday, August 5, 2024

Stocks fell broadly last week as investors looked past upbeat Fed comments and focused on disappointing corporate reports and weaker-than-expected economic data. The Dow Jones Industrial Average lost 2.20 percent, while the Standard &...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Wednesday, June 26, 2024

This week, we’ll receive the Fed’s preferred measure of inflation – the Core PCE report. Chief Investment Officer Gene Goldman explains why this financial report could be lower than expected. Start the Week Strong As always, please...

Q3 Market Outlook | The Fed’s Pivotal Quarter

John Schooler CFS®, ChFC®

Wednesday, June 26, 2024

Cetera Investment Management is pleased to release its 2024 Mid-Year Outlook titled, “The Fed’s Pivotal Quarter.” In this outlook, they discuss their predictions for the rest of 2024. Investors have been eagerly awaiting the Fed’s...

Weekly Recap | April 29, 2024

John Schooler CFS®, ChFC®

Monday, May 6, 2024

Weekly Recap April 22-26, 2024 Recap S&P 500 Breaks Losing Streak Positive Earnings Momentum Improves SentimentU.S. stocks rebounded last week, with the S&P 500 ending a three-week losing streak amid well received Big Tech earnings,...

Monthly Recap Market Indices At-A-Glance After the S&P 500 ended March with a 3.2% monthly gain, the benchmark index experienced a 4.08% April haircut. Year-to-date (YTD), the S&P 500 is up over 6% and still up a strong 23.25% from...

Weekly Recap | April 29, 2024

John Schooler CFS®, ChFC®

Tuesday, April 30, 2024

Weekly Recap April 22-26, 2024 Recap S&P 500 Breaks Losing Streak Positive Earnings Momentum Improves SentimentU.S. stocks rebounded last week, with the S&P 500 ending a three-week losing streak amid well received Big Tech earnings,...

Weekly Recap | April 22, 2024

John Schooler CFS®, ChFC®

Tuesday, April 23, 2024

Weekly Recap April 15-19, 2024 Recap Third Straight Weekly Loss Rate Cut Outlook Weakens FurtherU.S. stocks fell a third consecutive week as investors struggled to shake off diminished views of Fed rate cut expectations and...

Weekly Recap | April 15, 2024

John Schooler CFS®, ChFC®

Tuesday, April 16, 2024

Weekly Recap April 8-12, 2024 Recap Worst Week of the Year for the Dow… Again Sticky Inflation Dashes Rate Cut OutlookStocks retreated sharply on Friday’s start of the first quarter earnings season, with the Dow Industrials and S&P...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, March 11, 2024

The strength of January’s inflation reports worried financial markets, but better news could be on the way this week. Chief Investment Officer Gene Goldman, CFA explains why he believes this week’s financial reports will...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, February 13, 2024

This week, we’ll get inflation data that will give us clues as to when the Fed may cut rates. Chief Investment Officer Gene Goldman poses three key questions to help us understand when the Fed will likely cut interest rates this...

Weekly Market Insights: Investors Move Past Mixed Fed Message

John Schooler CFS®, ChFC®

Tuesday, February 6, 2024

Stocks pushed higher last week as investors cheered mega-cap tech corporate reports and a better-than-expected employment report. Stocks at New Highs At the beginning of the week, stocks surged, anticipating fourth-quarter corporate...

Weekly Recap | December 26, 2023

John Schooler CFS®, ChFC®

Wednesday, December 27, 2023

Weekly Recap December 18-22, 2023 Recap No Coal From Santa Soft-Landing Increasingly ExpectedEquities extended their astounding rally to an eighth straight week, the S&P 500’s longest string of gains in six years. While several...

2024 Market Outlook | The Fed: From Foe to Friend

John Schooler CFS®, ChFC®

Friday, December 22, 2023

Cetera Investment Management is pleased to release its annual Market Outlook for 2024 titled, "The Fed: From Foe to Friend." In this outlook, they discuss how investors could be faced with some market volatility in 2024 with election...

Monthly Recap | November 2023

John Schooler CFS®, ChFC®

Monday, December 4, 2023

Monthly Recap Market Indices At-A-Glance The S&P 500 advanced over 9%, notably its second-best November performance since 1980. The Dow Jones Industrial Average rallied over 2,898 points (+9.15%) last month finishing November at a new...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, November 27, 2023

Markets are worried about impacts of rate hikes causing near-term recession. Chief Investment Officer Gene Goldman, CFA explains why a stronger than expected ISM Manufacturing Report on Friday could help avoid a near-term recession....

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Wednesday, November 22, 2023

What’s in store for the markets during the shortened holiday week? Chief Investment Officer Gene Goldman, CFA explains why the low trading volume could lead to market swings and outlines three topics he’s keeping a close...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, November 13, 2023

Equity markets have remained focused on bond yields, which have been volatile lately. Chief Investment Officer Gene Goldman, CFA explains which economic data and reports could help shed light on where bond yields are headed. Start the...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, November 6, 2023

In a week with little economic data, there are still three specific data points that might show a positive market. Chief Investment Officer Gene Goldman, CFA explains why he believes key events including this week’s Fed meeting...

Monthly Recap | October 2023

John Schooler CFS®, ChFC®

Monday, November 6, 2023

Monthly Recap Market Indices At-A-Glance The Dow Industrials fell 1.26% in October, cutting its YTD gain to just 1.44% The Dow is down 6.55% over the last three months. The Nasdaq Composite fell 2.76% last month, trimming its YTD gain...

Commentary | 10.30.23 | Stocks Enter Correction Territory

John Schooler CFS®, ChFC®

Tuesday, October 31, 2023

In their latest commentary, the Cetera Investment Management Team discusses the primary causes of the recent market weakness that has pushed the S&P 500 in correction territory. While markets will likely remain volatile, they...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, October 30, 2023

Higher bond yields, questions over the Fed’s next moves and geopolitical risks have recently created jittery financial markets. Chief Investment Officer Gene Goldman, CFA explains how this week’s Fed meeting and important...

Weekly Recap | October 23, 2023

John Schooler CFS®, ChFC®

Monday, October 30, 2023

Weekly Recap October 16-20, 2023 Recap As Yields Surge, Equities Retreat Uncertainties Weigh on InvestorsStocks fell on a variety of news last week. On the top of investors’ minds was perhaps geopolitical risks in the Middle...

The Haunted Housing Market

John Schooler CFS®, ChFC®

Monday, October 30, 2023

Cetera Investment Management goes six feet deep into the foundation of housing for their Halloween special commentary, “The Haunted Housing Market.” Many homeowners still have nightmares from the Great Financial Crisis...

Weekly Recap | October 16, 2023

John Schooler CFS®, ChFC®

Monday, October 23, 2023

Weekly Recap October 9-13, 2023 Recap Equities Mixed War News Takes Center StageU.S. equities were narrowly mixed last week, with the S&P 500 posting a second straight weekly gain, while Nasdaq stocks snapped a two-week string of...

Weekly Recap | October 16, 2023

John Schooler CFS®, ChFC®

Tuesday, October 17, 2023

Weekly Recap October 9-13, 2023 Recap Equities Mixed War News Takes Center StageU.S. equities were narrowly mixed last week, with the S&P 500 posting a second straight weekly gain, while Nasdaq stocks snapped a two-week string of...

Commentary | 10.11.23 | Geopolitical Risks Increase with Israel-Hamas War

John Schooler CFS®, ChFC®

Monday, October 16, 2023

In their latest commentary, the Cetera Investment Management Team discusses the Israel-Hamas War and potential investment implications. Past stock market reactions to war and crisis events have been muted and depend on many factors....

Weekly Recap | September 25, 2023

John Schooler CFS®, ChFC®

Tuesday, September 26, 2023

Weekly Recap September 18-22, 2023 Recap Equities Sink as Bond Yields Rise Fed Meeting Confirms Higher for LongerStock markets slid last week as investors digested the September Federal Open Markets Committee’s (FOMC) meeting...

Weekly Recap | September 11, 2023

John Schooler CFS®, ChFC®

Tuesday, September 12, 2023

Weekly Recap September 4-8, 2023 Recap Stocks Decline Good News is Bad News for RatesEquities declined last week, with the S&P 500 and Nasdaq Composite ending below their 50-day moving averages. Investors turned skittish, as...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, September 5, 2023

This week will be quiet for economic data, except for the ISM Services PMI Index releasing Wednesday. Chief Investment Officer Gene Goldman explains why the prices-paid component of this report could be an important inflation...

Monthly Recap | August 2023

John Schooler CFS®, ChFC®

Tuesday, September 5, 2023

Monthly Recap Market Indices At-A-Glance With the S&P 500 down nearly 1.6% in August, the index retraced around half its 3.2% July gain. The Dow Industrials fell 2.01%, cutting its YTD gain to 6.37%. The Nasdaq Composite fell 2.05%,...

Commentary | 8.25.23 | What Changing Fed Policy Means for Portfolios, Money Market Assets

John Schooler CFS®, ChFC®

Monday, August 28, 2023

In their latest commentary, the Cetera Investment Management Team discusses the possibility of a Fed pause and eventual pivot and what that means for portfolios, including allocations to money market funds.   CLICK TO READ As...

Financial Watch | August 2023

John Schooler CFS®, ChFC®

Thursday, August 24, 2023

Where There’s a Will, There’s a Way to Avoid 4 Common Estate Planning Mistakes When it comes to estate planning, what you don’t know can hurt you, along with your beneficiaries or heirs. That’s because estate...

Commentary | 8.22.23 | Rising Bond Yields Sting Equities

John Schooler CFS®, ChFC®

Tuesday, August 22, 2023

In their latest commentary, the Cetera Investment Management Team discusses the reasons behind the jump in bond yields and why equity investors have been concerned. Since they believe the Fed is likely to pause, they feel...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, August 21, 2023

Rising bond yields are worrying investors. Chief Investment Officer Gene Goldman discusses why they’re rising, why it matters to stocks and what he’s watching this week to learn more. Start the Week Strong As always,...

The Travel Recovery: It's Been a Long, Strange Trip

John Schooler CFS®, ChFC®

Monday, August 7, 2023

Join Cetera Investment Management for a journey through the travel economy in their latest commentary, “The Travel Recovery: It’s Been a Long, Strange Trip.” There is plenty of adventure, as well as potential clues...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Thursday, July 20, 2023

Q2 earnings season picks up in earnest this week. Chief Investment Officer Gene Goldman explains why he thinks earnings may be better than expected – and what that could mean for the stock market. Start the Week Strong As always,...

Weekly Recap | June 26, 2023

John Schooler CFS®, ChFC®

Tuesday, June 27, 2023

Weekly RecapJune 19-23, 2023 RecapS&P 500 Posts Worst Week Since MarchNasdaq Ends Eight-Week Winning StreakU.S. equities slid backward last week with the S&P 500 snapping a five-week winning streak to close out the holiday-shortened...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, June 20, 2023

The Fed and financial markets differ on interest rate expectations for the end of 2023. Join Chief Investment Officer Gene Goldman on The Week Ahead as he breaks down the differences in perspective and explains how Fed Chair Jerome...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, June 5, 2023

While the stock market has been enjoying a strong performance YTD, a poor market breadth could be a bad omen for the future. Chief Investment Officer Gene Goldman explains how to measure market breadth and why it’s concerning...

Financial Watch | May 2023

John Schooler CFS®, ChFC®

Thursday, May 18, 2023

7 Tips for Blending Family and FinancesAccording to a popular wedding planning site, June marks the start of peak wedding season, which runs through early fall.1 If you’re among the thousands of couples planning a wedding in the...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, May 8, 2023

Will the upcoming CPI report be lower than expected? Chief Investment Officer Gene Goldman shares three reasons why it could come in under expectations and what this could mean for the Fed. Start the Week Strong As always, please reach...

Weekly Recap | May 8, 2023

John Schooler CFS®, ChFC®

Monday, May 8, 2023

Weekly RecapMay 1-5, 2023 RecapEquities Mostly LowerSmall Caps Fall the LeastDespite a strong 1.85% S&P 500 finish on Friday, the benchmark index ended fractionally lower last week, capping a fifth straight week with less than a 1%...

The Debt Ceiling and Your Portfolio

John Schooler CFS®, ChFC®

Tuesday, May 2, 2023

In their latest commentary, the Cetera Investment Management Team answers some questions regarding the debt ceiling debates in Washington. The Treasury has been using “extraordinary measures” to continue paying government...

U.S. Dollar Discussions

John Schooler CFS®, ChFC®

Friday, April 14, 2023

In their latest commentary, the Cetera Investment Management Team explains questions they've been receiving regarding the U.S. dollar and its importance globally. China’s growing economy, Russian sanctions, and an ongoing debt...

More Banking Troubles Emerge, but Seem Contained

John Schooler CFS®, ChFC®

Monday, March 20, 2023

In their latest commentary, the Cetera Investment Management Team gives an update on the recent troubles in the banking industry. They explain the causes and the actions being taken to solve those problems. There is a silver lining in...

Feds Managing SVB, Inflation

John Schooler CFS®, ChFC®

Wednesday, March 15, 2023

For the Federal Reserve, credibility is everything. And its credibility is being tested by how it plans to manage the banking system in the days leading up to its March 21-22 meeting.Last month, Fed Chair Powell confidently told Wall...

Ripples of Fed Tightening Being Felt

John Schooler CFS®, ChFC®

Monday, March 13, 2023

In their latest commentary, the Cetera Investment Management Team explains the two California bank closures. Unlike 2008, these were liquidity events and not solvency events. These banks were unique in that their customer bases were...

Weekly Market Insights: Mixed Results As Interest Rate Concerns Grow

John Schooler CFS®, ChFC®

Tuesday, February 21, 2023

Growing concerns about further interest rate hikes, prompted by fresh economic data, reversed early-week gains and left stocks mixed for the week.The Dow Jones Industrial Average slipped 0.13%, while the Standard & Poor’s 500...

Weekly Recap | February 21, 2023

John Schooler CFS®, ChFC®

Tuesday, February 21, 2023

Weekly RecapFebruary 13-17, 2023 RecapEquities End MixedS&P 500 Slips Second Week U.S. equity indices ended narrowly mixed last week amid renewed inflationary concerns that will likely keep Fed policymakers postured to keep interest...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, February 7, 2023

As Cetera's Chief Investment Officer Gene Goldman has said all year, there are two key factors to gauge market direction: the Fed and earnings. How many companies will adjust earnings lower? Start the Week Strong As always, please...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, January 24, 2023

Indicators are suggesting a possible recession in 2023, but Cetera's Chief Investment Officer Gene Goldman discusses three reasons why this may not be the case: strong GDP, the weakening U.S. dollar, and China reopening. ...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, January 3, 2023

2022 was a challenging year. As we head into the new year, Cetera's Chief Investment Officer Gene Goldman offers his insight on how they may expect markets to perform in 2023 with a weaker first half of the year followed by a...

2023 Market Outlook: Low Expectations Are Easier to Beat

John Schooler CFS®, ChFC®

Thursday, December 15, 2022

Cetera Investment Management is pleased to release its annual Market Outlook for 2023 titled, "Low Expectations Are Easier to Beat." In this outlook, they discuss while they expect volatility to remain in both stocks and bonds, stocks...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Tuesday, December 13, 2022

Wondering what might move the markets this week? With the final Fed meeting of 2022 happening this week, what are the potential outcomes and impacts on the markets? Cetera's Chief Investment Officer Gene Goldman shares three...

Strong Economic Data Creates Fed Uncertainty

John Schooler CFS®, ChFC®

Thursday, December 8, 2022

In their latest commentary, the Cetera Investment Management Team discusses what is weighing on investors’ minds during this most recent market selloff. The Fed has entered a blackout period leading up to their meeting next week,...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, December 5, 2022

Wondering what might move the markets this week? Corporate earnings are a key influence on market direction, and they continue to shift lower for next year. CIO Gene Goldman offers his perspective on how earnings are looking headed...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, November 14, 2022

Wondering what might move the markets this week? Lots of data is expected this week and CIO Gene Goldman and team will be closely watching two regional surveys that provide a glimpse at this month’s economy. Start the Week Strong...

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, October 31, 2022

Wondering what might move the markets this week? It’s all about the Fed and economic data, says CIO Gene Goldman, who shares a spooky perspective about what may be lurking around the corner and a potentially ghoulish outcome....

Get a Peek at The Week Ahead

John Schooler CFS®, ChFC®

Monday, October 24, 2022

Wondering what might move the markets this week? After last week’s strong finish for equities, CIO Gene Goldman shares his perspective about important economic data on the horizon and why 3Q GDP may exceed consensus estimates....

Financial Watch | October 2022

John Schooler CFS®, ChFC®

Friday, October 21, 2022

5 Ways to Stay on Track in Any Market ClimateLet’s face it, life doesn’t always go as planned. Some circumstances are beyond your control, such as rising inflation, an economic downturn, or an unexpected job loss or...

Weekly Recap | October 17, 2022

John Schooler CFS®, ChFC®

Monday, October 17, 2022

Weekly RecapOctober 10-14, 2022 RecapStocks Weaken on Persistent InflationWild Week Ends Moderately Lower U.S. stocks ended mostly lower last week even as the S&P 500 captured a monumental turnaround on Thursday, reversing a 2.39%...

The Upside Down World - When Good News is Bad News

John Schooler CFS®, ChFC®

Monday, October 10, 2022

In their latest commentary, the Cetera Investment Management Team discusses the factors causing market volatility and recession fears. Like an episode of Stranger Things, stock markets appear to be in the upside down world. A world...

Weekly Recap | September 26, 2022

John Schooler CFS®, ChFC®

Tuesday, September 27, 2022

Weekly RecapSeptember 19-23, 2022 RecapAnother Down Week for StocksEquities Approach June LowsThe rout in U.S. stocks deepened last week with the benchmark S&P 500 posting its fifth weekly loss in six weeks and briefly breached its...

1% Moves in S&P 500

John Schooler CFS®, ChFC®

Friday, September 23, 2022

If you’ve felt like stock prices were a little more volatile in 2022 than in recent years, your “spidey senses” are right on the money. The S&P 500 has posted 81 daily moves of at least 1% through August. Of those...

Inflation Report Surprises Higher

John Schooler CFS®, ChFC®

Tuesday, September 13, 2022

In their latest commentary, the Cetera Investment Management Team discusses the recent consumer price index report that came in hotter than expected. Investors had been bidding up stocks in hopes for a weaker report that would trigger...

Weekly Market Insights: Markets Tap Brakes, But Hold Fast Against Downbeat News

John Schooler CFS®, ChFC®

Tuesday, August 23, 2022

Stocks tumbled on Friday, sending stocks to a weekly loss after an otherwise quiet August week of trading.The Dow Jones Industrial Average slipped -0.16%, while the Standard & Poor’s 500 lost 1.21%. The Nasdaq Composite index...

Bear Market Rally or New Bull Market?

John Schooler CFS®, ChFC®

Wednesday, August 17, 2022

In their latest commentary, the Cetera Investment Management Team discusses the recent rebound in equities and if it is going to be a bear market rally or an eventual bull market. CLICK TO READ As always, please reach out to the office...

Weekly Recap | August 15, 2022

John Schooler CFS®, ChFC®

Monday, August 15, 2022

Weekly RecapAugust 8-12, 2022 RecapStocks Continue to RiseWeek of Inflation ReadingsMajor U.S. equity indexes were all up around 3% last week, as investors got a few different readings on inflation. On Wednesday, the Consumer Price...

Weekly Recap | August 8, 2022

John Schooler CFS®, ChFC®

Tuesday, August 9, 2022

Weekly RecapAugust 1-5, 2022 RecapStocks Advance Third WeekStrong Jobs Data Trims Weekly GainThe S&P 500 posted fraction gains last week after an unexpected strong July payrolls report on Friday. The economy added 528,000 new jobs last...

Monthly Recap | July 2022

John Schooler CFS®, ChFC®

Tuesday, August 2, 2022

Monthly RecapMarket IndicesAt-A-GlanceDespite strong gains, the S&P 500 remains in correction, down 13.14% from its Jan 3 record high.  Positively, the index ended July up 12.80% from its 6/16/22 first-half low.The Dow Jones...

Weekly Market Insights: Markets React to Dim Forecast, 2Q Reports

John Schooler CFS®, ChFC®

Tuesday, July 26, 2022

Stocks rallied last week as investor spirits lifted thanks to a better-than-expected start to the second-quarter earnings season. Earnings season kicked off last week, with major banks reporting second-quarter results.

An important week for the markets

John Schooler CFS®, ChFC®

Tuesday, July 12, 2022

An important week for the markets.  We get our first glimpse into earnings as the large banks release their earnings on Thursday.  Bank earnings and stability is important for the economy and the markets. Also, it can give us...

Market volatility is continuing

John Schooler CFS®, ChFC®

Tuesday, July 5, 2022

Market volatility is continuing.  The Federal Reserve has a limited number of tools in its toolbox to help curb inflation. Inflation is a product of supply and demand.

We have the Federal Reserve meeting this week and are bouncing along the lower end of our trading range. The market is soft today as we head into the Federal Reserve meeting.

Donate stock and not cash

John Schooler CFP®, CFS®, ChFC®

Thursday, March 10, 2022

If you have charitable intent and highly appreciated stock, you can easily donate stock to your favorite charity instead of cash.

529 plan distributions can be trickier than you might’ve thought.

Incredible day in the market. However, we are not out of the woods yet on this correction.

The immediate reaction to the war in Ukraine is pretty dramatic and it should be.

The market is retesting the stock market lows from earlier this month. We will find out soon if those lows will hold or if we need to do more work to the downside.

I still believe that this is a market correction and we have met our 10% downside. We’ve certainly got down to some longer-term support and the lows of October.

I do believe were having a market correction and not a bear market on the averages. It feels like a normal correction and we don’t have the ingredients in place for a full-fledged bear market.

Today’s market selloff is all about the Federal Reserve. As I mentioned before, the Federal Reserve is the great slayer in bull markets. One of the reasons the market has done so well coming out of the pandemic is the Federal...

I wanted to get out a blog post in regards to today’s market selloff. You can get market corrections at anytime for a multitude of reasons. Certainly, a new COVID variant does create fear in the market. The market is a...

The recent comments from Federal Reserve chief Jerome Powell indicated just how dovish the Federal Reserve is right now. Although they did announce a tapering of bond purchases. They pushed out any thought of raising interest rates. I...

The major indices are all significantly lower following a volatile session as news hit of a default of the largest Chinese property development company. The default hit global markets overnight and spilled into our markets this morning...

Hi John Schooler here, September starting off on a solid footing for the market. Interest rates remain extremely low and there is lots of liquidity in the economy. August continued the winning streak for the market and for the seventh...

John Schooler here, we've had a great start to the week for the stock market. The S&P 500 and the NASDAQ both hit all-time highs. We have not had a correction in 18 months. That's a long time to go without a correction, however, the...

John Schooler here, obviously, where all mourning the losses in Afghanistan. This has shaken up the market and we should expect the market to continue to react to news. However, we probably will have a relief rally starting in...

John Schooler here, the melt up continues as the market continues to perform well. With extremely low interest rates and and considerable liquidity, the market continues to move higher. I do expect some choppiness. If the Federal...

Diminished Decision-Making Capacity

John Schooler CFP®, CFS®, ChFC®

Tuesday, August 24, 2021

John Schooler here:John Page and I attended a workshop today that address the issue of diminished decision-making capacity. This is becoming a real issue for financial advisors dealing with elder clients and helping clients deal with...

July 3 to August 11th is often referred to as the "dog days of summer." It also can be a choppy time for the market. However, now that we've left the dog days of summer, the market is hitting an all-time high. Interest rates are low...