Gugle Wealth Advisory

As we approach the later stages of the economic cycle, I’m seeing more investors chasing returns and taking on excessive risk—often unaware of how unprepared they are for the next market correction. History has shown us the dangers of complacency; think of the sudden pullbacks that caught so many off guard in past downturns. Market corrections are swift and severe.

Great investors like Warren Buffett and Michael Burry recognize the importance of preparing for unexpected, “black swan” events. At my flat-fee advisory firm, I prioritize protecting your wealth by aligning strategies with your financial goals, not just the latest market trend.

Now is the time to assess risk exposure and build a portfolio that can withstand volatility. Let’s create a strategy to help you navigate uncertain times and safeguard your financial future. Reach out to start planning today.

Our hearts go out to everyone in North Carolina, Tennessee, Georgia, and Florida who are picking up the pieces after hurricanes Helene and Milton. At Gugle Wealth Advisory, we are keeping you all in our prayers during this difficult time.

We are immensely grateful to the brave first responders, emergency physicians and utility linemen who are working tirelessly to restore power, heal the injured, provide relief, and help communities rebuild. Your dedication brings hope and light to those in need.

If you’re looking for a way to help, consider donating to Samaritan’s Purse, an organization on the ground providing essential support to families impacted by these storms. Every little bit helps in restoring damaged communities and livelihoods. Together, we can make a difference. 🌧️💙

After 18 years as a Financial Advisor, I’ve had the privilege of meeting thousands of colleagues in the industry—at conferences, in study groups, and through partnerships. People often ask me, “What sets the truly exceptional Advisors apart?” The answer isn’t just in their knowledge or experience. What makes the best stand out boils down to one thing: they are S.P.E.C.I.A.L.:

Strength: Exceptional Advisors are unshakable, even in the face of adversity. Their resilience, convictions, and principles guide every decision. Clients are naturally drawn to this strength, knowing they are in capable, steady hands.

Passion: These Advisors live and breathe their work. Whether it’s a passion for doing what’s right, for building a world-class business, or for elevating the lives of their clients, this passion pushes them to go above and beyond in every interaction.

Empathy: The best Advisors don’t just listen—they feel. They understand their clients’ pain and joy, allowing them to truly connect. It’s empathy that builds lasting, trust-based relationships and deepens the Advisor-client bond.

Communication: The ability to simplify complex topics and make them easy to understand is a rare gift. Top-tier Advisors communicate clearly, frequently, and intuitively. They pick up on subtle cues, even understanding what’s unsaid, providing clarity and peace of mind.

Integrity: Integrity is the foundation of trust. Exceptional Advisors always act in their clients’ best interest, never putting their own gain first. Their fee structures, actions, and decisions reflect their unwavering commitment to doing what’s right, even when it’s not easy.

Aptitude: Intelligence alone doesn’t make someone great. The best Advisors have an insatiable desire for learning and growth. They constantly seek to improve, earning advanced certifications and sharpening their skills to better serve their clients.

Love: Above all, the most remarkable Advisors truly love their clients. This love is palpable in every conversation, every piece of advice, and every action. It’s genuine, not forced. Clients feel it and, in return, trust that their Advisor is deeply invested in their success.

In a sea of Advisors, these qualities make someone stand out. They aren’t just good—they’re S.P.E.C.I.A.L.. If your Advisor embodies these traits, you’re in exceptional hands.

Fed Rate Cut and Market Reactions: A Financial Advisor’s Perspective

The Fed’s half-point rate cut surprised markets, signaling that the central bank may no longer be data-dependent. Despite historically high home and rent prices, stocks at record levels, and low unemployment, this marks the largest rate cut since 2008. Such moves disproportionately benefit the wealthy, who are better positioned to exploit cheap capital.

A Repeat of the 1970s?

Beyond these concerns, there’s a serious risk that inflation could re-accelerate as monetary policy loosens. History shows us the dangers of prematurely cutting rates in an inflationary environment. In the 1970s, Federal Reserve Chairman Arthur Burns made a similar mistake by lowering rates too quickly, causing a second inflation spike that led to stagflation—a toxic mix of high inflation and stagnant economic growth. Today’s Fed risks repeating that mistake.

The current cut comes despite inflation remaining above target and unemployment worsening. This suggests that by easing too aggressively, the Fed could fuel a fresh wave of inflation, just as Burns did, triggering economic stagnation down the road.

Today’s Economy: Worse Than 2007

When the Fed cut rates in 2007, debt to GDP was 64%, the deficit was 1% of GDP, and market cap to GDP was 107%. Compare that to today, where debt to GDP stands at 122%, the deficit is 8%, and market cap to GDP is 200%. The economic imbalances are far more severe, yet the Fed is taking even more aggressive action. It’s clear the risks are much greater this time, and inflation could be a major consequence.

Why Rate Cuts Signal Trouble

While investors are excited about the Fed’s move, rate cuts are typically a response to economic weakness. The half-point cut indicates that conditions may be deteriorating faster than anticipated. Powell emphasized the economy’s strength—2% GDP growth, low unemployment, weak retail sales—but rising debt delinquencies, a moribund housing market and a weakening labor market suggest that the outlook may not be as rosy.

Powell’s shift from focusing on inflation to labor market risks is notable, especially as unemployment has risen from 3.4% to 4.2%. Layoffs are increasing, and history shows that rising unemployment typically coincides with recessions.

Powell’s Mixed Messaging

Powell’s reassurances during his press conference were unconvincing. Despite the Fed’s forecast of 200 basis points of further rate cuts over the next two years, Powell insisted the economy was in good shape. But if that’s true, why such an aggressive outlook for additional cuts?

Powell’s accidental reference to a “recession” during the press conference—before quickly correcting to “downturn”—suggests the Fed is more concerned about the economic outlook than it lets on. The possibility of stagflation, as seen in the 1970s, should not be dismissed.

Final Thoughts

Aggressive rate cuts rarely bode well for markets, and the Fed’s actions now bear eerie similarities to the policy mistakes of the 1970s. With inflation still a threat, this loosening of monetary policy could easily lead to another inflationary spike, followed by stagnation.

The economic backdrop is far worse than in 2007, and while investors might see short-term gains, the risks of a major correction are rising. As credit pressures increase, the housing market begins to correct, and inflation threatens to re-accelerate, investors should brace for heightened volatility and the possibility of a deeper downturn.

In short, it’s not just different this time—it’s much, much worse.

💡 Do You Know How Much You’re REALLY Paying in Financial Advisor Fees? 💡

You might be surprised how many people don’t know. I recently spoke with a prospect who thought he was getting a great deal with his current advisor—until we dug into the numbers.

📊 Over the past year, he unknowingly paid $22,000 in fees. Why didn’t he realize? Because the fees were automatically deducted across his taxable and retirement accounts, making them hard to track. Meanwhile, the only services he received were one in-person meeting and two phone calls—almost no comprehensive financial planning. 😬

Here’s the kicker: His portfolio had grown, but so had his fees. As his account balance hit new highs, the percentage-based fees just kept climbing. What he didn’t know was that by switching to a flat-fee advisor, he could be paying significantly less for much more personalized service.

💼 For example, with a flat-fee model like mine, he’d pay $10,000 per year—no matter how much his portfolio grows. That’s a savings of $12,000 per year! Imagine how much that would add up over the next 10, 15, or 20 years. $120,000 to $240,000 saved, all while getting financial planning tailored to his unique needs.

🎯 That’s money he could use to:

• Boost his retirement savings
• Fund his grandchildren’s education
• Gift more to his kids to help them afford a home
• Take those dream vacations without worrying about fees eating away at his investments

When you work with a flat-fee advisor, you not only get transparent pricing but also a focus on real financial planning—creating strategies to grow and protect your wealth, not just managing investments.

💬 Want to know more about how a flat-fee advisor can help you keep more of your hard-earned money? Let’s chat.

💡 Looking for Fiduciary Financial Guidance That Won’t Break the Bank? 💡

Imagine getting expert financial advice from someone who’s legally obligated to put your interests first—without worrying about fees that escalate as your portfolio grows. That’s the power of working with a flat-fee fiduciary financial advisor! 🙌

Here’s why it makes a difference:

🔍 Cumulative Cost Savings: Unlike advisors who charge fees based on your assets under management (AUM), a flat-fee structure ensures your costs don’t increase as your wealth grows. Over time, this can save you thousands—money that stays in your pocket, compounding and growing for your future.

🎯 Objective & Fiduciary Advice: As fiduciaries, flat-fee advisors are legally bound to give you advice that’s in your best interest. Their recommendations are unbiased, focused solely on helping you achieve your financial goals, with no hidden agendas.

💰 Transparent Pricing: Know exactly what you’re paying for, with no surprises or hidden fees. This clarity helps you budget better and eliminates concerns about escalating costs.

👥 Personalized Service: With a flat-fee fiduciary advisor, you get the personal attention and custom strategies tailored to your unique financial situation—whether you’re building wealth, planning for retirement, or managing complex financial matters.

Make your money work harder for you by choosing a fiduciary advisor who puts you first. Ready to see the difference a flat-fee fiduciary advisor can make? Let’s talk!

Why Physicians Choose Gugle Wealth:

I specialize in working with physicians because I have a deep, personal connection to the medical field. My two best friends and college roommates are physicians, and I’ve witnessed firsthand the unique challenges they face—from the intense demands of their profession to the complexities of managing their finances. Over the past 18 years as a Financial Advisor, I’ve had the privilege of guiding countless physicians through every stage of their careers.

I understand the overwhelming pressures of life as a physician. That’s why I’m committed to offering tailored financial advice that not only helps you achieve your financial goals but also alleviates the stress that can lead to burnout. My approach to financial planning mirrors the way physicians diagnose and treat their patients: I delve into the root causes of financial difficulties and provide practical, actionable solutions to enhance your financial well-being. Just as consistent care leads to better health outcomes, consistent financial planning leads to long-term success.

Physicians appreciate my flat-fee model, which aligns perfectly with the values promoted by White Coat Investor. Unlike traditional advisors who charge based on the size of your portfolio, my flat-fee structure ensures you pay only for the services you receive—no more, no less. This empowers you to grow your wealth without worrying about escalating fees, allowing you to focus on what you do best: caring for your patients.

Plan Wisely | Pay Less | Profit Most

🎉 Congratulations, John Gugle! 🎉

We are thrilled to announce that our founder, John Gugle, has successfully passed the rigorous Certified Divorce Financial Analyst® (CDFA®) examination, meeting the high standards set by the Institute for Divorce Financial Analysts. Soon, John will proudly display these professional marks, highlighting his deep expertise in the complex financial aspects of divorce.

John’s personal journey through his own divorce was the catalyst for establishing Gugle Wealth Advisory. His experience gave him a unique perspective on the financial challenges that divorce can bring, especially for men. This inspired him to pursue the CDFA® designation to provide compassionate, expert guidance to those navigating this difficult life transition.

If you’re a man going through a divorce, John is here to help you not just survive, but thrive. His mission is to promote healing and ensure better financial stability for his clients. Reach out today to learn how John can support you on your path to a more secure financial future.

I enjoyed playing in and being a sponsor of the Notre Dame Club of Charlotte’s annual golf tournament to raise money for our local scholarship fund. We help deserving students in Charlotte shoulder the cost of a Notre Dame education. It was an honor to support this worthwhile cause and be part of an incredible group of people.

Disruptive Innovations That Challenge the Status Quo:

• Cell Phones: No more long-distance fees—FaceTime and WhatsApp made video calls free.
• Streaming Services: Goodbye, overpriced cable. Stream only what you want.
• Tesla: Direct-to-consumer sales, cutting out the dealership middlemen.

Now, It’s Time to Disrupt Financial Advice.
Flat-fee financial planning is challenging the outdated assets under management (AUM) model. Why should your fees increase just because you’ve saved more? Advisors put in the same effort, so why pay more?

Disruptors break the mold, lower costs, and deliver better outcomes. Join Gugle Wealth Advisory and revolutionize the way you plan your finances. Use the cost savings to vacation in Positano Italy.

Plan Wisely | Pay Less | Profit Most

Recent volatility spikes due to worsening employment data caught many investors off guard. Warren Buffett’s Berkshire Hathaway cut its Apple holdings by 50% and holds nearly $277B in cash. Meanwhile, concerns over the global yen carry trade have led to the Japanese stock market’s worst two-day drop in history.

Most Financial Advisors today were still in school during the 2008 financial crisis and lack experience managing severe market corrections. Many don’t have a solid plan and just hope for the best.

You need a seasoned Financial Advisor who successfully guided clients through the Great Financial Crisis and is prepared to navigate the turbulent markets ahead.

Plan Wisely | Pay Less | Profit Most

As a Financial Advisor, I am uniquely positioned to support men navigating divorce. My personal experience enables me to help clients filter out the emotional noise and focus on making sound financial decisions, avoiding common pitfalls.

During divorce you are likely to make significant money mistakes. You need someone in your corner advising you on the financial intricacies of divorce settlements. That is why I enrolled in the the coursework that will help me earn the Certified Divorce Financial Analyst (CDFA®) designation.

I can also work with people not going through divorce. I have advice on how to manage your finances better in order to strengthen your marriage and avoid divorce.

Plan Wisely | Pay Less | Profit Most

Flat fees are tied to the work performed, not the size of your investment portfolio. This model empowers you to add to your investments without worrying about increased fees. Controlling costs is one of the easiest ways to improve your financial health.

Portfolio Gugle Wealth Typical AUM Advisor
Value Annual Fee Annual Fee
$1,000,000 $10,000 $10,000
$2,000,000 $10,000 $15,000
$3,000,000 $10,000 $20,000
$4,000,000 $10,000 $22,500
$5,000,000 $10,000 $25,000

Traditional advisors often have high overhead costs for lavish offices, numerous staff, and substantial owner profits, leading to higher fees for you. These costs can significantly impact your investment returns over time.

All financial advisors offer similar services: financial analysis, savings strategies, spending reduction, portfolio risk adjustments, tax planning, and estate management. The key differentiator is the cost of these services.

Plan Wisely | Pay Less | Profit Most

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Since our launch on July 7th, many have asked about our flat fee structure. It’s simple: our fee is based on the work performed, not on the size of your portfolio.

Here’s what that means for you:

• No fee increases when you add money to your accounts.
• No extra charges for managing additional funds from inheritances, bonuses or other large deposits.
• The larger your portfolio is now, the less you pay in fees with me.
• Greater savings as your portfolio grows.

Enjoy peace of mind knowing every client pays the same fee and receives the same exceptional service. I believe a flat fee is the fairest way to serve you as your Advisor.

Experience the difference today.