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9/17/2023 Weekly Market Performance

  Here is our research department's Weekly Market Performance analysis.  If you have questions or need anything else please contact me at (734) 272-4322 or cyril.white@fourfinancial.com  U.S. and International Equities Markets Mixed The major markets ended mixed this week as the utilities and consumer discretionary sectors led while information technology lagged following Apple’s challenges in China.  Developed international equities posted solid gains this week as European stocks have witnessed their largest gain in six months after the European Central Bank (ECB) signaled an end to its hawkish monetary policy. Next Wednesday, the Federal Reserve meets concerning monetary policy and interest rates.  We believe the Federal Reserve should highlight underlying improvements within the inflation dynamic. In addition, we believe the Fed will not likely declare victory but will probably highlight the risks to growth and inflation are getting into balance. According to...

Life after Divorce or Loss

  Through my over 25 years as a financial advisor I have worked with many women who have undergone divorce or the loss of a partner. If you or anyone you know is going through one of these challenging life events please have them keep the following in mind and I would be happy to send them a copy of my "Women Wealth Wellness & Wine" book which has detailed chapters and check lists on these subjects.   cyril.white@fourfinancial.com  (734) 272-4322

Sustainable Investment Strategy 101: Fossil Fuel Divestment

I was recently asked by a client to educate them on the effect of the divestment of the securities of companies involved in the fossil fuel business on their portfolio. I made the following video on this subject because I thought perhaps others may be interested in this subject as well! If you have any questions or if there is anything I can help you with please feel free to contact me anytime at  cyril@fourfinancial.com  or (734) 272-4322 The opinions voiced in this material are for general information  only are not intended to provide specific advice or recommendations  for any individual. Socially Responsible Investing (SRI) / Environmental Social Governance (ESG) investing has certain risks  based on the fact that the criteria excludes  securities of certain issuers for non-financial reasons and,  therefore, investors may forgo some market  opportunities and the universe of investments available will  be smaller. Securities and advisory s...

Research Midyear Outlook 2023: The Path Toward Stability

  Our 2023 investing outlook started with a theme of returning to normalcy. Considering 2022’s market volatility and the aftereffects of the pandemic, the idea of finding balance was certainly a welcomed change. It’s a theme we could all embrace six months ago and what we will continue to rally around through year-end. That’s not to say that 2023 hasn’t come with its own set of challenges. We saw two regional banks fail in rapid-fire succession in March—and another closed its doors in May. Collectively representing over $530 billion in assets, the trio ranks as the second, third, and fourth largest bank failures to date. We also held our breath as a last minute deal to raise the debt limit came together as the clock ticked closer to default. Despite the market gyrations these events caused and a banking sector still on tenterhooks, the overall financial system seems stable. The insights in LPL Research’s Midyear Outlook 2023: The Path Toward Stability will help position our clients...

Women Wealth & Wellness Topics

 Greetings amazing wonderful people!  I just posted this short video that covers some of the topics that we talk about in my workshop and which I wrote about in my Women Wealth Wellness & Wine book!  Topics that I cover in the workshop and my book include the following: WOMEN IN THE WORLD TODAY  WHAT DO WOMEN WANT?  KNOW YOUR WHY!  THE NUMBER ONE “SECRET” TO ACHIEVING FINANCIAL SECURITY DEFINE YOUR GOALS!  THE SECOND “SECRET” TO ACHIEVING YOUR FINANCIAL GOALS INVESTING: BEYOND THE HEADLINES  INVESTING BASICS  BUILD YOUR FINANCIAL FOUNDATION  PARENTING & CARE GIVING  INVEST IN YOUR HEALTH!  UNDERSTAND YOUR SOCIAL SECURITY  UNDERSTANDING MEDICARE  LIFE AFTER DIVORCE OR LOSS  PROTECT YOUR WEALTH  HOW TO HIRE YOUR OWN FINANCIAL PROFESSIONAL INVESTING WITH A GENDER LENS  RETIREMENT PLAN OPTIONS  RISK MANAGEMENT / INSURANCE  If you know a small or large group of women with strong values who ...

Women Wealth Wellness & Wine Book Review!

  One of the newest athletes Kaily that I train @forgedbarbell gave me this note today and it made my day and year! I often times doubt whether I’m doing the right things in my life and whether I’m having a positive impact in the lives of my clients in both my financial and fitness businesses and right when I think I should be doing something else God sends one of his angels like Kaily to remind me that I am! THANK YOU GOD! Here is what her note said: Dear Cyril, I love your Women Wealth Wellness and Wine book! It’s like receiving fatherly advice if my dad had been a Certified Financial Planner and was still alive! Your family is blessed and beautiful! I look forward to learning more from you! Thank you, Kaily PS: I tried to draw you but maybe it looks like Jason Statham? You have a longer vertical line than him. This must mean I need to keep my day job! PSS: YOU’RE AWESOME! www.whitehousellc.com

How Women Wealth Wellness & Wine Workshop & Book were Born!

 Click the short video link below to learn how my Women Wealth Wellness & Wine Workshop and Book was born! If you have any questions please contact me by Email:  cyril.white@fourfinancial.com   or Phone at: (734) 272-4322. Securities offered through LPL Financial.  M ember   FIN R A .   N ot   F DIC   In su r ed   •   M a y   L os e   V alu e   •   N o   B an k  G ua r an t ee