ZeroCelsius Wealth Studio

We sound like a broken record, but that could be a good thing in a bull market, as stocks made more new highs last week. In the end, the S&P 500 closed marginally lower for the week after a late Friday afternoon sell-off. But stocks have been up 16 out of the last 19 weeks, rising more than 24% during that rally. In the history of the S&P 500, stocks have never risen that quickly with such consistent weekly gains.

As laid out repeatedly in these missives, we remain bullish and expect continued price gains. But we believe it’s valuable to take a step back and appreciate the rarity of this market’s strength. The S&P 500 is up nearly 25% since the late October lows. A gain of 25% would be a great year, but that has taken place in just 19 weeks! This run can’t last forever. There will be a well-deserved break. In fact, that would be perfectly normal. When stocks finally do pull back, don’t panic. It is part of the process. We’d even suggest using any weakness as a potential buying opportunity.

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Will the 2024 election impact your portfolio? Take a look at what we’ve seen in the past and what it means for you.

The Stock Market in Presidential Election Years Find out how markets tend to perform & why it matters.

With today’s evolving markets, it’s critical to protect your hard-earned savings as well as look for missed opportunities.

Do you have any questions about recent market events?

We’ve heard from quite a few folks who do.

In our experience, one of the most challenging times to be an investor is when the landscape changes rapidly.

We want to make sure your strategies are adapting to our new reality.

You could keep doing the same old thing, but then you risk missing out on new opportunities or letting issues fester.

It’s the seemingly simple (but deceptively complex) things that can make a surprising difference to your wealth.

That’s why we’re extending a special invitation this month.

A free Modern Wealth Assessment to review your current financial situation in light of recent changes and check for any red flags.

Would you like to grab a time to meet?

We’ll be sharing the latest analysis and diving into your current situation.

You might be surprised by what you learn.

Set a meeting today. (link in bio)

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Your dreams, talents and passions are legitimate. You should respect, live them… or else.

It begins by asking the right questions. Discover your ZeroCelsius in this inspiring 10-day email course at no cost for signing up today.

Enroll Today! Get 10 short lessons and prompts via email.

After huge gains last year and a rocky start to 2024, the S&P 500 rebounded during the second half of January and managed to finish the month higher. The next question is, does a good January mean much for the rest of the year?

It might.

Historically speaking, when January is positive for stocks, the rest of the year rises 12% on average and is higher 86.4% of the time. When January is down, the market is up about 2.1% on average and higher only 60% of the time. Compare this with the average year’s final 11 months, which are up 8.0% and higher 75.7% of the time. Clearly, the solid start to 2024 could be a positive for the market.

🔸link in bio: Market Commentary🔸

How do you know the right way to invest for YOU? For your hard-earned savings? For your set of unique circumstances?

Well, figuring it out starts by having a smart conversation with folks like us — folks that are Registered Investment Advisers.

Folks tasked with putting your interests ahead of their own.

It’s called the Fiduciary Standard. And it’s an important part of what we call Investing Worth Appreciating™︎︎.

Feels right, right?

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Ready to discover your ZeroCelsius? There's a better way to think about your money.

Enroll Today! 10 bite-sized lessons you can read in less than 5 minutes.

You don’t need superpowers, or need to know everything about money to achieve your financial goals. It’s all about the small, daily actions you take - instead of a one-time heavy lift. Learn about small, daily actions you can start today that will be financially rewarding in the long term in this Visual Insights Newsletter.

How Little Daily Steps Can Help You Achieve More Put your goals in reach with small daily actions.

There's a better to think about your money. Sign up for this 10-day email course to discover what it means to achieve a state of ZeroCelsius.

Email-Based Course Get 10 illustrated lessons in your inbox. Enroll Today.

When was the last time you gave up on a goal? The truth is, most of us have a hard time accomplishing our goals. We have high hopes and tend to focus on everything all at once, which can be daunting. In this month’s Visual Insights Newsletter, learn about the power of small, daily actions and how they can help accomplish our financial goals.

How Little Actions Hold Awesome Potential Achieve more goals with small steps every day.

It took more than two years, but the S&P 500 closed Friday at an all-time high.

The previous record high was set on Jan. 3, 2022. Of course, that was followed by a vicious 25% drop and a bear market, sparked by the war in Ukraine, supply chain challenges, a generational spike in inflation, China on lockdown, and the most aggressive Fed in four decades.

That bear eventually ended in October 2022, and since then stocks have defied many experts, who continually (and incorrectly) touted a weakening economy, tapped-out consumer, and many other reasons to doubt the new bull market.

Fortunately, we’ve been on the other side of the strategist consensus, as we’ve firmly believed stocks would surprise higher and the economy would remain resilient.

Once you discover your ZeroCelsius, you’re free to settle deep into a quiet confidence. And it shows.

We know what it’s like to feel fuzzy about your financial future. We see it every day.

Three Sessions, One Purpose℠

Our 4-step plan is designed to help you re-define and re-direct the financial chapter of your life story.

This unique process is spread across 3 studio Sessions, but centered around 1 Purpose: getting you from here to there.

Wherever your ‘there’ is!

Setup your first studio session today.

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There's a better to think about your money. Sign up for this 10-day email course to discover what it means to achieve a state of ZeroCelsius.

Email-Based Course 10 Days, 10 Illustrated Insights. Sign Up Now!

Those big financial goals can seem daunting, but major accomplishments are often the result of small, consistent daily actions. Learn how you can build better money habits by setting micro goals, automating tasks, and more in this month’s Visual Insights Newsletter.

Where Goals Go Wrong Stop failing. Start achieving more. Here's how.

We expect markets, many strategists, and policymakers to once again largely see eye to eye in 2024 on broad outcomes, although we continue to tilt more optimistic than most based on the underlying data. We continue to favor the U.S., although valuations should help international markets see reasonable gains as well. While emerging market valuations are depressed, policy uncertainty, especially in China, continues to weigh on prospects. In fixed income, our economic outlook supports some tilt toward credit-sensitive bonds, but we prefer reflecting our economic outlook by overweighting equities.
Remember, even good years exhibit some volatility, so it’s important to be prepared to weather the market’s normal ups and downs. A 5% pullback in stocks has historically occurred three or four times per year, while a 10% correction occurs at least once per year. A 20% bear market has historically occurred once every three years.

link in bio: Market Commentary

S&P 500 – A capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries.

Bloomberg U.S. Aggregate Bond – The Bloomberg US Agg Total Return Value Unhedged, also known as “Bloomberg U.S. Aggregate Bond Index” formerly known as the “Barclays Capital U.S. Aggregate Bond Index”, and prior to that, “Lehman Aggregate Bond Index,” is a broad-based flagship benchmark that measures the investment grade, US dollar-denominated, fixed-rate taxable bond market. The index includes Treasuries, government-related and corporate securities, MBS (agency fixed-rate passthroughs), ABS and CMBS (agency and non-agency).

… and maybe a little sexy as well 😉

Your dreams, talents and passions are legitimate. You should respect, live them… or else!

Financial success starts with small, daily steps. Big money goals can seem daunting, but growth and achievement don’t happen overnight. In this month’s Visual Insights Newsletter, learn about the power of small, consistent actions to achieve big goals in finance and life. Check it out!

The Incredible Power of Small Daily Actions See how little steps can lead to big accomplishments.

2023 Stock Gains Suggest a Solid (But Not Spectacular) 2024
The S&P 500 finally fell last week after nine consecutive weeks of gains, the longest weekly winning streak since 2004. Some investors worry the decline during the normally bullish end-of-year/early-new-year period may be sending a negative signal. But we believe stocks simply needed a breather and don’t view it as a significant warning sign. The extreme strength since late October is consistent with major bull markets, and we expect this overall upward trend to continue in 2024.

Your dreams, talents and passions are legitimate. You should respect, live them… or else!

Some of the biggest market bubbles, busts, and crises over the past few decades have been caused by these two things - fear and greed. Learn more in this month’s Visual Insights Newsletter. Check it out!

How many $ choices do you make out of greed or fear? Greed & fear can trip you up. Here's how to avoid them.

When you want to buy or sell an item, what do you consider? A lot of decisions in the markets aren’t based on numbers at all, but based on emotions like fear and greed. Learn about how these emotions can get in the way of rational decisions in this month’s Visual Insights Newsletter.

How Fear & Greed Can Backfire in Investing Learn how to mute greed & fear to make better choices.

A lot of buying and selling decisions in the markets are not based on numbers at all - instead, many of us defer to our emotions. We don’t have to let fear and greed force us to make emotional decisions with our money. Learn more in this month’s Visual Insights Newsletter.

How Greed & Fear Stole $25 Trillion in 35 Years Greed & fear can mean poor choices & loss. Here's how.

How much greed or fear is driving your financial choices? It’s not just other investors - greed and fear can trip up any of us. In fact, some of the market’s most recent bubbles and busts have been a result of it. See how trillions have been lost to fear & greed in this month’s Visual Insights Newsletter.

The Fear, Greed & Loss Cycle See how trillions have been lost to fear & greed.