White House Financial & Settlement Solutions, LLC

In our latest Market Signals podcast, Chief Equity Strategist, Jeffrey Buchbinder, and Chief Economist, Dr. Jeffrey Roach, discuss the significant rotation from technology to small caps recently, assess the potential effects of a Trump-Harris matchup on the “Trump trade”, analyze the election through an economic lens, and preview some important economic data due out this week. Click the link below to watch / listen to the podcast: CLICK HERE TO ACCESS THE PODCAST Please let me know if you have any questions or if there is anything we can do for you please contact me at cyril.white@fourfinancial.com or (734) 272-4322 today!! Securities offered through LPL Financial | Member FINRA/SIPC. Investment advice offered through Four Financial Management a registered investment advisor & separate entity from LPL Financial. The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are

  ·     With election season in full swing, investors may be concerned about how either a second Joe Biden or a second Donald Trump presidential term will impact their portfolios. ·     However, as we noted in Midyear Outlook 2024: Still Waiting for the Turn , for the long-term investor, political opinions are best expressed at the polls and not in portfolios. ·     And while it’s still too early to really draw any firm conclusions about the economic policies of either candidate, uncertainty around policy could introduce market volatility. ·     Historically, in periods of heightened economic policy and geopolitical uncertainty, higher quality bonds have tended to outperform equities and exhibit lower volatility. ·     With uncertainty likely to rise and the Fed expected to cut rates later this year, investors should consider increasing allocations to strategies invested in higher quality fixed income, particularly those investors with excess cash. If you have any questions or

 Click the video link below for a tour of our downtown Ann Arbor office! If you would like an un-biased second opinion analysis on your financial plan please contact me at cyril.white@fourfinancial.com or (734) 272-4322 today! Important Disclosures This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. References to markets, asset classes, and sectors are generally regarding the corresponding market index. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. All performance referenced

  As we reach the halfway point of 2024, a sense of persistence defines the economic and market landscape. Trends from late 2023 have continued, with surprisingly resilient economic growth mixed with stubborn but decelerating inflation. Equity markets have thrived and regained all the lost ground from 2022. On the other hand, the bond market still grapples with policy uncertainty and remains range bound for the most part. While it’s tempting to forecast a continuation of these trends, our analysis suggests an impending shift. The economy looks poised to cool down in the second half, which will have an impact on both policy and markets. To navigate this evolving landscape, we leverage the expertise of our Strategic & Tactical Asset Allocation Committee (STAAC), which identifies potential risks and opportunities. In today’s higher-rate environment, the STAAC believes investors have more options. By prioritizing income generation and remaining patient and disciplined with equities, in

  Dear Valued Client, Stocks finished the first half of the year the same way they started — with solid gains. Strong rallies from big tech names, combined with somewhat softer economic and inflation data, helped propel the S&P 500 to its seventh monthly gain in the past eight months and set dozens of new record highs along the way. As we close the book on a strong first half for the stock market, we celebrate America’s 248th birthday. But America isn’t the only birthday we’re celebrating in July. The Federal Reserve’s (Fed) interest rate “pause” turns one year old — the Fed’s last rate hike came on July 23, 2023. Fed pauses (neither rate hikes nor cuts) have generally been good for stocks, especially the longer ones, with gains for the S&P 500 lasting about eight months in five of the last six pauses. In what is currently the second-longest pause since the 1970s, the S&P 500 is up about 20% and nearing the 22% gain registered during the longest pause in 2006–2007. This mea

With stock valuations elevated after such a strong first half, earnings growth will be key to holding, or potentially building on these gains.  Our research department believes stocks have gotten a bit over their skis, but earnings season may not be the catalyst for a pullback in the near term given all signs point to another solid earnings season and stocks have mostly performed well during the peak weeks of reporting season in recent years. We may not get an increase in second-half estimates over the next couple of months — that's a lot to ask — but we should get a few points of upside and double-digit earnings growth for the second quarter on the back of technology strength. Read the full commentary  here As always, please reach out to me with questions or if there is anything else we can do for you!  I can be reached by email at cyril.white@fourfinancial.com or by phone at 734-272-4322. Sincerely, Cyril S. White Certified Financial Planner ™ IMPORTANT DISCLOSURES This material

  Is the current ongoing AI-driven stock market rally another Internet bubble? This week's Weekly Market Commentary discusses the current tech market dynamics, contrasting today's robust, high-quality company-led environment with the late-1990s tech bubble. Learn why a mild correction might offer strategic buying opportunities, despite the ongoing AI-driven rally.  Check out our latest market commentary in the link below to hear our opinion on this topic! Artificial Intelligence: The Antidote to Fed Policy?  As always, please reach out to me with questions or if there is anything else we can do for you!  I can be reached by email at cyril.white@fourfinancial.com or by phone at 734-272-4322. Sincerely, Cyril S. White Certified Financial Planner ™ Important Information This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for al

Dear Friend, I hope that you and your family are doing well! Below are our latest thoughts about our current financial and economic markets. April showers brought May flowers as markets placed greater importance on economic growth and corporate profits than the “higher for longer” interest rate messages from the Federal Reserve (Fed). In fact, the S&P 500 ended May above where it ended March. So, as you prepare for summer vacations, how much should you worry about your stock portfolios? First, based on history, stocks tend to do just fine between Memorial Day and Labor Day, with the S&P 500 rising 1.8% on average between holidays with gains 70% of the time (source: Bespoke). Also consider stocks tend to do better the rest of the year when they rise in May, with an average June–December gain of 5.4% with positive returns 73% of the time. Seasonality is not particularly worrisome. Investing involves much more than seasonality. Looking at the U.S. economy, slower growth in the fir

  Woe to the taxpayer who runs afoul of the numerous and confusing IRA rules. There are forms to file, contributions to make, distributions to take, and penalties to avoid. While corrections are possible, it’s best to avoid mistakes in the first place. Here’s what you need to know. IRAs come with a lot of rules, especially when it comes to taxes. Failure to follow the rules can result in penalties, excise taxes, double taxation, and in a worst-case scenario, the loss of your tax-deferred status. Here are a few tips that can help you avoid unnecessary—and costly—errors. IRA CONTRIBUTIONS: ELIGIBILITY AND OPERATIONAL REQUIREMENTS You must meet certain requirements in order to be eligible to make contributions to IRAs. Failure to meet these requirements can result in excess IRA contributions. Excess contributions that are not properly corrected can result in double taxation and excise tax being owed to the IRS. The following are some general eligibility requirements that must be met for I

  The most common comments we receive after our “Portfolio Protection with Possibilities Workshop” are: “I had no idea these types of investments were available to me!” Are you cautious about taking on risk with your investments?  Does market volatility make you uncomfortable? If you are looking for an investment strategy that protects your core portfolio(1) and gives you confidence to stay invested through market cycles, then don’t miss our virtual educational session on Principal Protected Notes. These unique solutions can: — Protect your principal against losses, if held to maturity(1) — Increase the potential for growth and/or income(1) — Help you feel more financially prepared to meet your investment goal Our next workshops will be on the following days: Thursday, June 13, 2024 06:30 PM Eastern Time (US and Canada) Saturday ,  June 15, 2024 11:00 AM Eastern Time (US and Canada) Email me at cyril.white@fourfinancial.com if you have any questions or would like to reserve your sp

  By Cyril S. White, Certified Financial Planner™   As people transition from one employer to another, many are still uncertain about what to do with their 401(k) plan when they leave their employer. Here are 4 of the biggest mistakes you should avoid when considering what to do with your 401(k).   A plan participant leaving an employer typically has four options (and may engage in a combination of these options as well), each choice offering advantages and disadvantages.   1.      Leave the money in his/her former employer’s plan, if permitted; 2.      Roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted; 3.      Roll over to an Individual Retirement Account (IRA); or 4.      Cash out the account value.  Each of these options can have a significant impact on your financial goals if not planned and implemented correctly.    We have found that there are four major mistakes people make with regard to their e