White House Financial & Settlement Solutions, LLC

  Life is rarely comfortable. And the more you seek comfort, the less likely you’ll have the kind that really matters — like long-term physical and mental health and meaningful relationships. Such comforts are reaped from hard work sowed over time, again and again. From grit.

  Looking for that perfect holiday gift for the women in your life who have everything? Well look no further! Through the holiday season my book "Women, Wealth and Wellness" is on sale on Amazon! Both electronic and physical versions! Click the following link to check it out and have a safe and happy holiday season and New Year! https://a.co/d/9akyPSI   Securities offered through LPL Financial | Member FINRA/SIPC. Investment advisory services offered through Four Financial Management a registered investment advisor & separate entity from LPL Financial. 

  U.S. and International Equities Markets Mostly Higher Both the S&P 500 Index along with the Nasdaq Composite witnessed their sixth consecutive weekly rise as Google’s AI model impressed investors.  Communication services, consumer discretionary, and information technology led this week’s market returns.  Energy is this week’s laggard given weakness in energy prices. Sentiment remains bullish according to the most recent AAII Survey, however the percent of bears grew from a neutral stance. The percentage of bullish investors increased slightly to 47.3%, which is well-above the historical long-term average of 37.5%. Bearish investors jumped to 27.46%, just below the historical average of 31.0%. Neutral investors declined from 31.7% to 25.3. Fixed Income Higher The Bloomberg Aggregate Bond Index continued higher this week amid momentum from peak Federal Reserve (Fed) hawkish monetary policy being reached and economic soft-landing narratives.  In addition, high yield bonds also gaine

 Hello! I hope you and your family are doing well! Next week I am sending out the 2023 Last-Chance Financial Planning Checklist to all friends, family, and clients. It's a quick way to determine if you need to take any actions before the end of the year.   It's a simple checklist that covers only those areas that need attention at year end – taxes, retirement savings, investments, insurance, and medical. It might take you five minutes, tops. If you would like a copy of the checklist please message me back with your email address and I will be sure to email you a copy. If you know someone who could use this checklist, let me know. I will make it available to anyone who could use the help. Just reply to this message with their name and contact information, and I'll see they get the checklist. I wish you and your family a very HAPPY AND SAFE HOLIDAY SEASON AND NEW YEAR! Thanks, and please let me know if I can be a resource for you in any way! Best regards, Cyri

  We hope everyone had a wonderful Thanksgiving last week! Markets ended higher during the holiday-shortened trading week. In an encouraging sign of broadening participation, about 55% of S&P 500 stocks were trading above their 200-day moving average as of Friday morning, more than doubling since the end of October. Moreover, the equal-weight S&P 500 increased 3.2% last week. That was substantially more than the 2.2% rise for the market-cap weighted S&P 500 and the largest percentage point outperformance for the equal-weight index in almost five months. Sentiment is improving according to the most recent AAII Sentiment Survey. The percentage of bullish investors increased slightly to 45.3%, coming in above the historical long-term average of 37.5%. Bearish investors declined to 23.6%, below the historical average of 31.0%. The overall report continues to reflect building bullish market sentiment as markets during this recovery. Fixed Income Higher The Bloomberg Aggregate Bo

  U.S. markets ended higher this week amid continued improving market sentiment. Moreover, international markets ended higher amid investor expectations for lower interest rates next year.  The Russell 2000 rebounded this week from the index’s negative return last week following the index’s solid rebound two weeks ago as small cap fundamentals remain questionable amid cheap valuations. According to the most recent AAII Sentiment Survey, the percentage of bullish investors increased slightly from 42.6% to 43.8%, above the historical long-term average of 37.5%. This week bearish investors increased to over 28% from 27.2%, still below the historical average. Neutral investors declined to 28.1% from 30.2%, below its historical average.  The overall report continues to reflect strong improve bullish market sentiment as markets have rebounded. Fixed Income Higher The Bloomberg Aggregate Bond Index rebounded this week from last week’s decline following Powell’s comments. In addition, high yie

  U.S. markets ended mostly higher this week amid improving market sentiment. Seasonality is presently a bullish talking point for equities after three straight month of losses and a volatile October. According to Bespoke Investment Group, historically (going back to 1945), November has been the third best month of the year with an average gain of 1.47% and positive returns two-thirds of the time.  International equities finished lower over continued economic concerns, however many European companies reported better-than-expected results. The Russell 2000 had a negative week after last week’s rebound as investors are concerned about small cap fundamentals.   The earnings outlook for small-caps has been significantly more challenging as the companies grapple with higher inflation and higher rates. According to the most recent AAII Sentiment Survey, the percentage of bullish investors jumped from over 29% to 42.6%, which is above the historical long-term average of 37.5%. This week beari

Here is the latest market commentary from our research department.  If you have any questions or if I can be a resource for you in any way please feel free to email me at cyril.white@fourfinancial.com or call (734) 272-4322! It’s a tradition here to write about what scares us around Halloween each year. The past few years have offered plenty of material to use in these annual commentaries, but with wars in Israel and Ukraine ongoing, Washington, D.C. dysfunction reaching new heights, the unrelenting rise in interest rates, still-high inflation, unaffordable housing, tight financial conditions, and a Federal Reserve (Fed) that has not yet signaled it’s done hiking rates, the list seems to be a bit longer and scarier than it usually is. But these are risk factors, not our base case. Keep in mind there are plenty of positives at the same time, including easing inflation, the resilient economy bolstered by a healthy job market, growing earnings, and the strong possibility that the Fed is d

  The move higher in Treasury yields (lower in price) has been unrelenting, with intermediate and longer term Treasury yields bearing the brunt of the move. Rates are moving higher alongside a U.S. economy that has continued to outperform expectations and not due to higher inflation fears. As such, the move higher has been largely driven by an increase in “real” yields, or inflation-adjusted yields or just TIPS (Treasury Inflation-Protected Securities). TIPS are Treasury securities whose principal and interest payments are adjusted for inflation. Unlike other Treasury securities, where the principal is fixed, the principal of a TIPS can go up or down over its term. So, when the TIPS matures, if the principal is higher than the original principal amount, you get the increased amount. If the principal is equal to or lower than the original principal amount, you get the original amount. So, since these securities are government guaranteed, TIPS investors who hold the individual bonds to m