Timothy J. Gandy Vice President - Investments Financial Advisor

Wondering what to tell your financial pro? Check out this quick video for guidance!

Top 5 Things to Tell Your Financial Pro Here are the top 5 things your team may want to hear.

🤯 Is your mind blown by Artificial Intelligence? If you answered ‘yes,’ you might wonder how big the AI market might be in 2030 or beyond.

🤖 Artificial Intelligence might eventually touch every facet of our lives, including business, healthcare, and personal digital assistants. It is already used for everything from sophisticated data analytics to a little ‘extra help’ on your kid’s latest term paper.

🏗️ Here’s something you should know: the AI market is far more than a handful of competing software applications. 🧑‍🔧 Behind every prompt is a forest of industries: chip designers, cloud data centers, high-precision manufacturing, data providers, electrical infrastructure, human-powered sales and service, and much more.

🔮 So, how does this translate to the potential size of the overall market? If current trends hold, what could the AI market look like in 2030? Nobody knows… yet!

🤔 Remember, the AI market forecast is based on assumptions, subject to revision without notice, and may not materialize.

The freight recession may be ending, signaling potential shifts in our economy. Here are some of the relevant details:
▪️ Retail orders are up 30% year-over-year in June
▪️ Trucking capacity has tightened due to industry bankruptcies
▪️ Freight rates are expected to rise in late Q3
▪️ Peak shipping season started early this year due to global factors

This could impact consumer prices and retail stocks in the coming months. It's a reminder of how interconnected our economy is—from shipping to store shelves to our wallets. 💡

Interestingly, discount retailers are thriving, with increased inventory trends of 13-14% compared to 7-9% last year. This suggests consumers are still price-conscious despite economic changes.

As we navigate these shifts, staying informed and maintaining a balanced, long-term perspective on our financial strategies is crucial. Economic cycles like these underscore the importance of diversification and regular portfolio reviews. 🔍



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America's freight recession is nearing its end, logistics executives say, with retail orders and rates headed higher Freight volume is expected to increase and a recession for the ground transportation sector end, with rates likely to rise in Q3, say logistics executives.

Struggling with sleep? Your savings habit might be the key! 💤

A new study from Bristol University reveals:
🛏️ Regular saving, even small amounts, can improve sleep quality
🛏️ Savers report feeling more relaxed and optimistic about the future
🛏️ Low-income savers have similar life satisfaction to richer non-savers

Despite rising costs, saving remains crucial for financial resilience. Remember:
▪️ 6 in 10 people have a savings habit
▪️ Simple, flexible accounts with incentives can help
▪️ Shop around for the best savings options that fit your lifestyle

Every little bit counts towards better financial and mental well-being! 🌟



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Sleep could be boosted by saving small amounts of money - study A quarter of UK adults have less than £100 tucked away, but a report says a savings habit aids mental wellbeing.

Should gold be a part of your diversified portfolio?

Should I Invest in Gold? Learning more about gold and its history may help you decide whether it has a place in your portfolio.

Recognize National Make-a-Will Month by taking control of your estate. Make sure your wishes are known and help protect your loved ones from uncertainty.

Planning a trip abroad? 🌎✈️ The Fed's potential interest rate cuts could impact your travel budget.

Here's how the Fed's decisions could impact your next international trip:
▪️ A strong U.S. dollar has made international travel more affordable recently
▪️ Fed rate cuts may weaken the dollar, potentially increasing costs for American travelers
▪️ Countries like Japan have been especially attractive due to favorable exchange rates
▪️ The timing of your trip could affect your purchasing power overseas
▪️ Consider how currency fluctuations might impact your overall travel expenses

The global economy affects us all, even on vacation. Understanding these trends can help you make more informed choices about when and where to travel. 💡💼



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The Fed may soon cut interest rates. That could make your next trip abroad more expensive The Federal Reserve raised rates aggressively to tame high inflation, supporting the U.S. dollar. Cutting rates may weaken it versus foreign currencies.

🦞 Age is Just a Number: Meet the 104-Year-Old 'Lobster Lady' 🚤
Virginia Oliver, Maine's maritime marvel, just renewed her commercial lobster license at 104 years old. Why? Because retirement isn't in her vocabulary!

Picture this: A centenarian rising at 3 AM, donning lipstick and earrings, to catch lobsters thrice a week. That's Virginia's life, and she wouldn't have it any other way.

Her secret? "You've gotta keep living, you gotta keep working."

Virginia's story isn't just about lobsters. It's about passion, purpose, and shattering age stereotypes. As we plan for our futures, perhaps we should ask: What's our equivalent of Virginia's lobster boat?

Let's celebrate those who prove that life's adventures don't have an expiration date.



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104-year-old has been catching lobsters for more than 90 years: 'I'm not going to retire' At 104 years old, Virginia Oliver is setting sail this year to continue doing the job she's loved over 90 years: catching lobsters.

Making a will is a key step to consider as you prioritize your family's future.

Building a personal may be the highest order of altruism. It can begin with four simple steps.

Building Your Legacy A four-step framework for building a personal legacy.

Do you have a will? Is it updated?

When Do You Need a Will? When do you need a will? The answer is easy: Right Now.

Electric vehicle prices are falling, thanks to high inventory and despite new tax credits, making EVs more accessible. 🚗

Here's a closer look:

Price Reduction: Lower EV prices are hoping to boost consumer adoption of electric vehicles.

Tax Credit Impact: New tax credits are making EVs more affordable for a wider audience.

Sustainability Goals: Increased EV adoption can contribute to sustainability and reduce carbon emissions.

Market Dynamics: Understanding these trends may help make informed vehicle purchases and investment decisions.

Stay informed on how these developments may shape the automotive market.



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Electric vehicle prices are tumbling. Here's how they now compare with gas-powered cars. The average price of a new EV was $56,648 last month, down 15% from two years prior, according to Kelley Blue Book.

🤸‍♀️ The U.S. women's gymnastics team for the 2024 Paris Olympics is set!

Five stellar athletes earned their spots after intense competition at the U.S. Gymnastics Olympic Trials in Minneapolis:
🏅 Simone Biles (leading her third Olympics!)
🏅 Jordan Chiles
🏅 Jade Carey
🏅 Hezly Rivera
🏅 Suni Lee

16-year-old Hezly Rivera joins four veterans from the 2020 Olympics, showcasing a blend of experience and fresh talent. Joscelyn Roberson and Leanne Wong will serve as alternates, ready to step in if needed. Fan favorite Simone Biles just won her ninth U.S. all-around title earlier this month!

This team exemplifies the power of perseverance and continuous improvement. What goals are you working towards with similar dedication?



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Simone Biles to represent team USA at 2024 Paris Olympic Games: See the full roster The gymnasts were selected during the U.S. Gymnastics Olympic Trials in Minnesota.

Planning a summer getaway? 🏖️ Don't let scammers ruin your vacation! Protect yourself with these tips:

Secure Your Accounts: Update your passwords regularly and enable two-factor authentication.
Be Cautious Online: Don't click on suspicious links, even if they appear to be from your airline or hotel.

Beware of Social Media Scams: Double-check customer service contacts and be wary of anyone asking for personal information.
Watch Out for Common Travel Scams: Avoid interactions with "friendly" strangers offering bracelets or roses, and be cautious of unsolicited photographers.

By staying alert and informed, you can ensure a safe and enjoyable summer vacation. 🧳



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Travel expert advises how to spot, avoid and prevent falling for travel scams this summer Katy Nastro details common scams from online hackers to in-person swindlers to help others stay safe this summer.

CrowdStrike’s computer outage affected everything from travel to doctor’s offices to bank and investment accounts. CrowdStrike’s CEO George Kurtz reassured people early in the day by saying, “this is not a security incident or cyber attack,” but it’s upsetting when you log into bank and investment accounts and you see a warning message.

AI-powered cancer screening is revolutionizing early detection, but most of these services aren't covered by insurance yet.

Important points to consider:
🤖 AI technology is making significant strides in improving cancer screening accuracy and early detection.
Despite its potential, many AI cancer screening methods are not yet covered by insurance, posing financial challenges for patients.
🏥 The healthcare industry is at a crossroads, balancing innovation with accessibility and affordability.

Staying informed about these developments can help you advocate for better healthcare solutions.

What are your thoughts on the future of AI in cancer screening and its accessibility? Share your insights!



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AI cancer screening programs are booming, but you'll likely have to pay for them yourself The FDA has approved nearly 600 radiology AI program since 2019, but most aren't covered by Medicare or private health insurance.

Food prices have been trending lower for many months. But the recent price stability doesn’t offset the food inflation in 2021 and 2022. So, if you are feeling the pinch, please let me know. Sometimes, I’ve found that even the slightest change can make a big difference.

When I see the GDPNow chart, I’m reminded of Newton’s first law: an object in motion will stay in motion unless acted upon by a force. The force that needs to act is the Fed, and my expectation is that The Fed will make some moves by the end of the year to help manage GDP’s trend.

How old is your phone? The majority of iPhone users have phones that are between 3 to 5 years old. When do those iPhone owners upgrade? It’s hard to imagine iPhone users changing operating systems, but long ago, I learned to “never say never!”

Happy National Insurance Awareness Day! 🏦📝

As a financial professional, I cannot stress enough the importance of having insurance coverage that's designed to fit your needs. Insurance can provide for unexpected events and can help protect your assets and financial future. Here are some key points to consider:

👉 Start by assessing your insurance needs: Evaluate your current financial situation, your assets, your family's needs, and any potential risks.

👉 Understand your policies: Make sure you understand the terms and conditions of your insurance policies. Lean on your financial professional if something is unclear.

👉 Review your insurance regularly: Your insurance needs can change over time, so it's essential to review your policies regularly to ensure they still meet your needs.

👉 Work with a financial professional: They can help you navigate the complex world of insurance and find coverage that's designed to fit your needs.

Remember, don't wait until it's too late to protect yourself and your assets.

📚 Attention students and families 📚 Don't forget that FAFSA submissions for the 2023–24 award year close June 30, 2024 at 11:59 p.m. CT.