White House Financial & Settlement Solutions, LLC

  I just renewed my Chartered Sustainable Responsible Impact Investing Counselor™ (CSRIC®) designation for another year!  The CSRIC® designation took me over 6 months of studying and taking a test to earn.   The reason I decided to achieve the Chartered Sustainable Responsible Impact Investing Counselor™ (CSRIC®) designation is that I have had more and more clients asking me about this type of strategy and investing such as the ESG or Environmental Social and Governance strategy and rather than just doing an internet search to learn about it, which I did as well, I found this designation and it provided me access to all the research that the College of Financial Planning compiled on this subject to create the designation and a more focused way to learn about the topic of Sustainable, Responsible and Impact Investing.   I wanted to learn about the topic not because I am recommending this type of investing to my clients but I want to be able to answer their questi...

  HAPPY NEW YEAR!   I hope that you and your family are doing well! Our research department at LPL Financial recently unveiled Outlook 2025: Pragmatic Optimism.   The annual update offers a comprehensive analysis of the economic and market environment.  I’m excited to bring to you a few of the key takeaways which I have summarized in the following video and in the paragraphs below.  Click the graphic below if you’d like to watch the video: Looking back on 2024, it clearly echoed many of the themes from 2023. There were some brief economic growth scares along the way, but the broader economy continued to defy expectations and surprised once again to the upside. Stocks continued their strong performance, putting the S&P 500 on track to record its second consecutive year of 20% plus returns. Powerful trends in artificial intelligence and technology have continued unabated and largely overshadowed other factors like election uncertainty, continued geopolit...

  Give the gift of FINANCIAL PLANNING this Christmas!   We recently completed a financial planning engagement for a young couple who just had their first child!   Through our Financial Planning Service we hope that we were able to provide these clients with the necessary data needed to make important informed financial decisions as well as several risk mitigation ideas to help assist them with providing confidence and a sense of well-being for their family.   If you have children or grandchildren who may benefit from the same service consider giving them the gift of our financial planning service for the Holidays and New Year!   Click on the link below to watch a short video I created which provides more information on this service and what we were able to accomplish for this client.     I wish you and your family a safe and Happy Holidays and New Year! This material is for general information only and is not intended to provide s...

  Hello!   I hope you are doing well!   Give the important women in your life the gift of Financial & Wellness education with a copy of my book “Women Wealth Wellness & Wine”! I have reduced the price of my book for Black Friday to $15.75 which is available on Amazon at the following link:   https://a.co/d/9Ey17vV Or if you would like an electronic copy please let me know and I will email you one for FREE !   I wish you and your family a safe and joyous holiday season.   Please let me know if you have any questions or if there is anything else I can do for you!   Best regards,  Cyril     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 ...

  I hope that you and your family are doing well! Click the link below to hear our Chief Economist, Jeffrey Roach, discuss the current bull market, its historical context, and the potential impact of recessions.  Click Here to Watch the Video Please contact me at cyril.white@fourfinancial.com or (734) 272-4322 if you have any questions or if there is anything else that I can do for you! 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 inves...

  It was so great to have the opportunity to present our "Structured Settlements Made Easy" workshop to our long time client ( like going on 20 years!) the Mike Morse Law firm at their beautiful headquarters in Southfield, Michigan! The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Investment Management refers to the discretionary investment management services provided through Four Financial Management, a registered investment adviser. These services are provided for a fee. Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Four Financial Management a registered investment advisor and separate entity from LPL Financial.

  Federal Reserve Chair Jerome Powell said last month’s decision to cut the fed funds target rate by a half percentage point was due to a “recalibrating” policy, as the Fed follows its dual mandate regarding inflation and growth. The new buzzword — recalibration — implies mechanical fine-tuning, but unfortunately, the macro economy is not that robotic. We are full of emotional people with ever-changing needs and wants. However, the buzzword also evokes something therapeutic; that is, the Fed is not cutting rates because of an imminent recession. In fact, the economy will likely grow above trend for yet another quarter or two. However, risks are rising for 2025. Blowout Payrolls, or Was It? We do not believe the Fed is cutting rates because a recession is just around the corner but rather because rates are still too restrictive. Yes, a slowdown looks likely next year, but for now, businesses are benefitting from a consumer on very good footing with higher income growth coupled with ...