Cole Flynn, CFP ®, APMA®

Director at Flynn Zito Capital Management | Helping individuals, business owners, and families |
Thoughts on markets, investing, and economic trends

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

📈 Opening the Markets at Nasdaq! 🔔

Had an incredible experience helping ring the bell at Nasdaq today in celebration of LPL Financial’s 15-year anniversary as a publicly traded company! 🎉 It was also great to spend time with CEO Rich Steinmeier🤝

Here’s to continued progress, partnership, and empowering advisors and clients across the country! 💼✨

@FlynnZito @RichSteinmeier

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Intel's stock is up big this year.

The reason? Apple, Tesla and SK Hynix might start using Intel's factories to build their chips.

Might.

Right now it's mostly talks and plans. Very little of it has turned into real orders.

#Investing #Stocks #Intel

This content is for informational and educational purposes only and does not constitute investment advice or a recommendation to buy or sell any security.

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Nobody checks the diesel price. Everybody pays it.

It's baked into your grocery run, your Amazon order, your contractor's quote, and your heating bill — just with enough delay that you blame something else.

Here's how the ripple usually travels 👇

#Economy #Inflation #PersonalFinance #Logistics

@FlynnZito

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Apple's first foldable iPhone is here.

New product ≠ new profits.

What actually matters:
Do people upgrade?
Do margins hold?
Does the ecosystem grow?

@FlynnZito

#Apple #AAPL #StockMarket

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Consumer confidence just hit its second-lowest level ever.

Sentiment: 47.8
Expected inflation: 4.6%

Translation: Americans think prices are going up and are planning accordingly.

Consumers drive two-thirds of the economy. When they pull back, everything feels it.

@FlynnZito

#Economy #Inflation #MarketNews

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

The cheap airline you liked is going away.

Southwest just announced its first lounges. Add that to bag fees, assigned seating and a new premium Chase card, and the picture is clear — the no-frills airline is chasing frills.

For 30 years "simple and cheap" was the whole brand. Now it's competing for the same premium travelers as Delta and United.

@FlynnZito

#Travel #Airlines #MarketNews

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Diesel just hit a record $5.85/gallon.

Watching three things: oil prices, freight costs, inflation.

Strait of Hormuz disruptions are adding to the pressure.

@FlynnZito

#USEconomy #Inflation #Supplychain #Markets

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

A small stock is attempting something big. 👀

Diginex reported 77% revenue growth this year.

It has also proposed acquiring an AI company in a deal valued at $1.05B.

Why it matters: if completed, this could meaningfully change the size and direction of the business.

Why I'm watching: proposed deals like this carry real uncertainty. They require approvals, may be delayed, and are not guaranteed to close.

This is not a recommendation to buy or sell any security.

📌 For educational purposes only. Not financial advice. Always do your own research before making investment decisions.

#StockMarket #Investing #AIStocks #MarketNews

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Back from the long weekend? So is the data.

Americans owe $18.8 trillion.

Where the borrowing shifted is.

📈 Credit cards: +$21B → $1.26T
📈 Auto loans: +$28B → $1.71T
📈 HELOCs: +$28B → $459B

The real number to watch? Delinquencies.

4.7% of household debt is delinquent. Auto loans and credit cards are running the hottest.

Debt alone doesn't tell the story. What matters is whether people can actually keep up with it — because rising delinquencies can signal stress building in the economy before it shows up anywhere else.

Follow for simple breakdowns of money and markets.

@FlynnZito

#PersonalFinance #Debt #Economy #CreditCards #Investing

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Heading into Labor Day weekend, here's a reminder from the market:

$9.4 billion.

That's what the Walmart heirs lost when the stock dropped.

Even the wealthiest families aren't immune to market swings — because their fortune is tied to shares, not cash in a vault.

Slower sales growth. Rising costs. Tougher competition. All of it showed up in the stock — and in their net worth.

The takeaway as you head into the long weekend: don't put all your eggs in one basket. Diversification is what protects you when even the biggest players get shaken.

Enjoy the holiday — and follow for simple breakdowns of money and markets all week long.

@FlynnZito

#Investing #WealthBuilding #StockMarket #PersonalFinance #LaborDay

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

$40 trillion.

That's America's national debt right now.

Why does it matter?

Because government debt influences interest costs, future spending, and the economic decisions that shape everyday life.

@FlynnZito

#Economy #NationalDebt #Finance #Markets

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

@Sterling_AF Inflation data rarely tells the full story on its own. CPI measures price changes, but it doesn't capture purchasing power shifts, wage stagnation, or regional cost variation.

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

@charliebilello Wages rose 45 to 50% over that decade. Monthly payments jumped 160%. That gap is what affordability metrics actually capture, and why they sit near 1980s lows despite far lower rates today.

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Lenovo isn’t usually the first name that comes to mind when discussing the AI trade—and that’s exactly why these results caught my attention.

AI demand is moving beyond chips and into the broader technology ecosystem. Still early, but worth watching.

@FlynnZito

For informational purposes only. Not investment advice.

#Investing #Markets

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Inflation showed signs of cooling in July, giving markets a little breathing room. One report doesn’t make a trend, but it’s a positive signal worth watching—especially for interest rates, borrowing costs, and investors.

@FlynnZito

#Inflation #Investing #Economy #MarketUpdate

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

@gallop_retwit Inflation data rarely shifts dramatically in one quarter, so the default path becomes another hike.

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

@elerianm Worth noting the 30, year Treasury directly prices long, term mortgage rates, so this move hits homebuyers before it touches equities or credit spreads

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

A lower unemployment rate doesn’t always mean a stronger job market.

I’m watching hiring, labor-force participation, and long-term unemployment for a more complete picture.

@FlynnZito

#Economy #JobMarket #MarketInsights

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

Monday Morning Micron

I’m watching Micron as AI-driven memory demand continues to develop.

The key factors I’m monitoring: earnings, memory pricing, supply, and valuation.

For educational purposes only. Not investment advice. Past performance does not guarantee future results.

#Micron #AI #Investing

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

@EricBalchunas New issuers compete for the edges of a growing pie while the Big Three hold the core.

[Cole Flynn, CFP ®, APMA® @cole_flynn_]

@TradeBrigadeCo Lodging away from home carries roughly 0.9% weight in CPI. Primary rent and OER together sit near 33%. A 2.8 point swing in hotels simply cannot move the headline number meaningfully.