Louis J. Czerwinski, CRPC® 💵

Husband, Father, Financial Advisor. Tweets are not to be considered investment advice.

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

@SenSanders So what do you think of what he has proposed with funding accounts controlled by the people as opposed to funneling the money directly to the insurance companies?

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

@ImMeme0 America

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

@saquon Hope you enjoyed the round. ⛳😀

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

@brysondech Keep grinding. You'll be wearing that jacket one day.

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

@brysondech Good luck today Bryson! Play your game and you'll bring it home. 👍⛳

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

A friend of mine shared this interesting 1-min video involving Babe Ruth & the town of #Wallingford . I've driven through that bridge hundreds of times. ⚾

#Yankees #RedSox
https://t.co/f8PvmyczXo

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

Denial rates for claims by insurance provider, per @LendingTree . #health #insurance #life

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

📈 Total consumer credit jumped by $19.24 billion in October, reaching an all-time high of $5.11 TRILLION

With the holiday season upon us and gift shopping in full swing, it's essential to keep an eye on your budget. Many Americans are feeling overwhelmed, so make sure to monitor your income and expenses during this busy time. Stay smart with your spending! 🎁💳 #FinancialHealth #HolidayShopping

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

What you need to know about gif taxes. #gifttax #529 #capitalgains #estatetax
https://t.co/8MXtEkYJNy

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

Are you ready for the biggest social security changes? Give me a buzz if you'd like to review 203-626-2225. #socialsecurity #retiremetn #fixedincome
https://t.co/fF2MFcZweu

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

Americans’ “magic number” for #retirement is surging to an all-time high – rising much faster than the rate of inflation while swelling more than 50% since the onset of the pandemic. #plan #money #saving

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

US #Inflation progress stalled in October.

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

Americans say their financial planning needs improvement and that having a financial advisor boosts confidence, yet only 37% work with one.

The data finds that two-thirds of Americans (66%) believe their financial planning needs improvement, a 4 percentage-point uptick from the previous year. This was especially true among younger adults (79% for both Gen Z and Millennials, up 5 percentage points from last year for each generation). One factor driving this could be the current economic landscape. Nearly one in five people (18%) say that recent economic uncertainty has led them to either begin working with a financial advisor or plan to work with one at a later date.

#financialplanning #money #budget #millennials

Source: Northwestern Mutual Planning & Progress Study 2023

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

Money market fund assets have just hit a historic milestone, surpassing **$7 trillion** for the first time ever! Just last week, these funds attracted an impressive **$91 billion** in inflows, even amid a 25-basis-point rate cut from the Federal Reserve.

This surge underscores the strong demand for safe, high-yield investment options during uncertain economic times. 📈💰 Over the past 4.5 years, total assets in money market funds have **doubled**, showcasing their increasing popularity among retail and institutional investors alike.

According to the Crane 100 Money Fund Index, the average yield on these funds is currently **4.51%**, offering competitive returns without the volatility of stocks or long-term bonds. 🏦💼 #Finance #Investing #MoneyMarketFunds #EconomicTrends

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

Wealth occurs when consistency meets discipline. #Wealth #Money

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

In September 2024, building permits in the U.S. decreased by 3.1%, reaching a seasonally adjusted annual rate of 1.425 million, which is a slight revision from the initial estimate of 1.428 million.

Approvals for multi-unit buildings (five or more units) saw a significant decline of 9.2%, totaling 405,000, while single-family authorizations experienced a minor decrease of 0.4%, landing at 963,000. This data suggests a possible slowdown in the housing market, and its effects on overall economic growth will be closely monitored.

"A renewed dip in single-family construction activity is likely over the next few months as homebuilders seem to have responded too aggressively to the slight upturn in new home sales in 2023, and are now left with an excessive level of inventory. Lower mortgage rates will help boost demand for new homes at the margin."

— Oliver Allen, Senior U.S. Economist at Pantheon Macroeconomics

Source: Trading Economics

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

In November 2024, the University of Michigan reported that U.S. consumer sentiment increased to 73, up from 70.5 in October, marking the highest level in seven months. This improvement marks the fourth consecutive month of growth, although it does not yet reflect any responses to the election outcomes.

The expectations index rose significantly to 78.5, the highest reading since July 2021, climbing from 74.1 the previous month.

This optimism was driven by a 6% increase in personal finance expectations and a 9% rise in short-term business conditions. Long-term business conditions have reached their most favorable status in nearly four years. Overall, sentiment has bounced back nearly 50% from its low in June 2022, although it still falls short of pre-pandemic levels.

“Consumers continue to express frustration over high prices.” - Joanna Hsu, Director of Consumer Surveys at University of Michigan after the last data release

Source: University of Michigan

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

@julieroginsky Absolutely spot on!

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

IRS announces pension and retirement plan contribution adjustments for 2025 https://t.co/FZkA2AVi8S
https://t.co/FZkA2AVi8S

[Louis J. Czerwinski, CRPC® 💵 @LouisCzerwinski]

@itsCameronHeinz @LeadingReport This clip is exactly what I was thinking of when reading this.👍