IWM Partners

Find out how IWM Partners help you work toward your financial goals. Securities offered through LPL Financial, Member SIPC.

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Unused 529 funds...LPL Financial, Advisor Shawn Hochuli discusses some of the options available if those funds go unused!

https://t.co/ZwuKvJNZtX

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This month's chart is thanks to past Fed Chair Alan Greenspan, who tracked men's underwear sales as a proxy for consumer confidence. What do you think the new Fed Chair will watch?

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Auto debt continues to climb as higher vehicle prices & interest rates put pressure on household budgets. Nearly 86 million Americans, about 1 in 4, carry auto loan/lease debt. These trends highlight how vehicle affordability can play a larger role in everyday financial decisions

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No clients are the same, nor their portfolios. The strategies that serve someone building wealth look different from those preparing for retirement. That's why it's critical to take a multi-layered approach that allows the mix of strategies to pursue your goals.

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There's a moment every long-term investor experiences, and it can change how you think about money, the point at which your total investment earnings exceed your total contributions. Meaning your portfolio is now doing more work than you ever did. It doesn't happen overnight.

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Every earnings season is different, but the influence of a handful of companies is undeniable.

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When stock prices drop, some investors start asking "shoulda, woulda, coulda” questions about whether to remain invested. But as 2025 illustrates, market timing can be very expensive even if it means missing just a few days.

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Investors are anxious, and with good reason. The unsettling events in the Middle East are dominating the headlines, which can put even the most seasoned investor on edge. Will the number of corrections for the S&P 500 increase to 27 this year?

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As the fast-moving events in the Middle East unfold, one indicator to keep an eye on is the sentiment of individual investors. Are they turning too bearish or too bullish? This may provide clues about whether individuals are reacting to the news.

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Just over 50 percent of homeowners still have mortgages with rates under 4%. But that number has been trending lower, especially in the past year. Are you thinking about making a change?

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Warren Buffett stepped down as CEO on January 1, 2026, but we can only hope he shares more words of wisdom.

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What are Wall Street’s brightest looking for in 2026? You can see that the other forecasts settle into a pretty tight range for the year. The table doesn’t show that there will be highs & lows during the year. Times when stock prices look invincible & times you question investing

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When the OBBB Act passed in July, the legislation left several unanswered questions. The IRS is now addressing them. The IRS undergoes this process every year, but this time the OBBB has added to the uncertainty. Here’s what the 2026 Federal income tax brackets will look like:

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Job creation at small firms has come to a halt. Firms with less than 50 employees lost 120k jobs during the 1st 2 weeks of Nov. If the Fed cuts short-term interest rates, will that solve small businesses' job problems overnight? No, but it might be a step in the right direction.

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The purpose of a retirement strategy is to get where & when you want to be there. When articles say, “money managers struggle to beat index funds due to economic uncertainty." That's not what it’s about, it's about whether the investment helped you where & when you need it to.

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Speculators anticipate the Fed will lower short-term rates 3xs in the next 12 months from the current range, 3.75% and 4%. But Powell, after the Oct. Fed meeting, said not so fast. “A further reduction in the policy rate at the Dec. meeting is not a foregone conclusion,” he said.

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A GOV. shutdown can sound alarming, but here’s what it really means:
Fed offices close/reduce hours
“Non-essential” services pause
Some Fed workers are furloughed
National parks & museums closed
Services like Social Security & mail continue.

It doesn’t mean everything stops.

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As “Revenge Savings” sweeps the nation, keep in mind these words of encouragement from Warren Buffett.

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Social Security's cost-of-living adjustments, from 0% in 2016 to a peak of 8.7% in 2023, these annual COLA changes reflect the economic reality millions of retirees experience. The current forecast shows 2.7% for 2026, but we'll know for certain in October.
#InflationImpact

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There’s something for everyone in the One Big Beautiful Bill Act. The Tax Foundation calculated that in dollars and cents, each taxpayer will pay 4k less in federal taxes starting in 2026. It looks like it may continue to buoy investors' spirits in the 2nd half of the year.

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Some people judge inflation based on their day-to-day experiences, like how much they spend at the grocery store or on household goods. Right now, many expect inflation to hold steady or trend lower in the second half of 2025.

#Inflation #CostOfLiving #2025Outlook