Jeremy Torgerson, MRFC

Founder & CEO of @nvestadvisors, Torgonomics, and @ThinkLARichGuy, talking about money & economics for regular people.

Not investment advice.

[Jeremy Torgerson, MRFC @JToddTorg]

Regarding $SPCX coming to market in 15 minutes, should you buy the hype?

The history of IPOs would say to be very, very cautious.

Nearly every IPO falls in value from the initial open after the first few days of trading. Most broker dealers are restricting you to holding it for at least 15 days (or longer) if you buy today.

Just realize that.

[Jeremy Torgerson, MRFC @JToddTorg]

I’m happy to start sharing my economic and market updates on social media once again.

More analysis and practical investing tips will begin in January.

[nVest Advisors, LLC @nVestAdvisors]

Dec 12 - Dec 18, 2025
• This week’s economic data made it clearer that the U.S. labor market is cooling more than it has in years. Official figures showed nonfarm payrolls rose only modestly in November (+64,000) after a big drop in October, and the unemployment rate stood at 4.6%, the highest since 2021. That’s a meaningful shift from earlier in 2025 when job gains were more robust.

• Markets and analysts pointed out that part of the October weakness stemmed from federal employment losses tied to workforce changes after the prolonged government shutdown earlier in the fall. This complicated how the recent numbers should be interpreted, but the broader theme is a labor market under stress relative to earlier in the year.

• Job growth remained weak while wage growth was moderate. Average hourly earnings for private nonfarm payrolls edged up 0.1% for the month, or 3.5% over the past year, reflecting steady but moderate wage growth. That’s important because it reduces the risk that the labor market still running “hot” will force the Fed to hold rates higher for longer.

• Beyond headline jobs, industry-specific data — especially in tech — underscored uneven labor conditions. Reports across the week highlighted tech job cuts and slowed hiring, with some segments of the tech workforce (especially non-AI roles) contracting significantly even as companies invest in new technologies.

• Softer US labor data reinforced expectations that the Federal Reserve could extend its easing cycle into 2026. While the rising unemployment rate did not materially increase odds of a January cut, derivatives markets have priced in nearly 60 basis points of easing by the end of next year, keeping the US Dollar rangebound and supporting major currency pairs.

• In currency markets, the U.S. dollar remained rangebound but under pressure from softer jobs data. EUR/USD hovered near key levels as traders priced in a higher probability of continued Fed easing.

• Fed Governor Christopher Waller publicly said he expects inflation to continue easing over the next few months and suggested potential for further rate cuts totaling as much as 50–100 bps, which would take policy rates below 3% if pursued.

• Equities showed some volatility, while precious metals like gold and silver advanced, demonstrating the market’s sensitivity to labor data and anticipated rate cuts.

• What really stood out this week was clarity. The data confirmed what investors had been expecting — job growth is slowing, and the case for easier policy is getting stronger. On the flip side, what didn’t go as well was the pace of hiring and overall domestic demand. Both came in weaker than anticipated, highlighting just how tricky it is to keep the economy growing strongly without some pressure on inflation.

[Jeremy Torgerson, MRFC @JToddTorg]

TESTING - is this thing on?😉

[Jeremy Torgerson, MRFC @JToddTorg]

Taking risks isn’t about diving in blind — it’s about making strategic moves you can handle. At nVest, we believe in calculated decisions rooted in clarity, preparation, and what you can realistically manage. Know what you’re stepping into. Own it. Grow with it.
#nVestAdvisors

[Jeremy Torgerson, MRFC @JToddTorg]

Retirement isn’t something that just falls into place.
If your plan hasn’t been reviewed in 20 years, it’s not really a plan anymore. It’s a hope.

Your life has changed. The world has changed.
Your retirement strategy should reflect that too.

#nvestAdvisors #retirementplanning

[Jeremy Torgerson, MRFC @JToddTorg]

The market drops. You panic. A financial advisor doesn’t.
We see patterns, not just problems.
Real investing means staying focused on the bigger picture—even when the numbers dip.
That’s where clarity comes in. That’s what we help you build.
#nVestAdvisors #finance #money #wealth

[Jeremy Torgerson, MRFC @JToddTorg]

Not sure where to start with retirement planning? You’re not alone. This mind map breaks it down simply. You don’t have to figure it all out today—but starting now makes a big difference later. We help people like you plan every step of the way.

[Jeremy Torgerson, MRFC @JToddTorg]

Thinking about offering a retirement plan for your team? A Safe Harbor 401(k) might be your smartest move yet—tax perks, compliance ease, and happier employees. Let’s build a stronger future together.

#SafeHarbor401k #RetirementPlanning #FinancialWellness #TaxSmart

[Jeremy Torgerson, MRFC @JToddTorg]

Maximizing your retirement savings doesn’t have to be hard.
These 6 strategies are all about smart moves that can help you grow your future wealth. Start today, thank yourself tomorrow. #RetirementReady #SmartMoneyMoves #FinancialSavvy #PlanLikeAPro #SecureYourFuture

[Jeremy Torgerson, MRFC @JToddTorg]

Roth IRA, 401(k), or SIMPLE IRA—what’s right for your retirement? Each has its pros, tax perks, and rules. Make smarter choices with this quick breakdown and take control of your future.

#RetirementPlanning #RothIRA #401k #SIMPLEIRA #TaxStrategy #SmartInvesting #FinancialGoals

[Jeremy Torgerson, MRFC @JToddTorg]

This is not an investing strategy. This is emotional insanity that will run you ragged and leave you poorer.

You will get in your own way every single time and you will hurt your long-term success by “going with your gut“.

Master your emotions first.

[nVest Advisors, LLC @nVestAdvisors]

Saving money isn’t about being stingy it’s about being smart. Small business owners you don’t need to cut corners just know where to trim. Here are 5 ways to keep your cash flowing without losing quality!

#SmallBusinessTips #SmartBusiness #EntrepreneurLife #FinancialWisdom

[Jeremy Torgerson, MRFC @JToddTorg]

Saving money isn’t about being stingy it’s about being smart. Small business owners you don’t need to cut corners just know where to trim. Here are 5 ways to keep your cash flowing without losing quality!

#SmallBusinessTips #SmartBusiness #EntrepreneurLife #FinancialWisdom

[Jeremy Torgerson, MRFC @JToddTorg]

Saving money isn’t about being stingy it’s about being smart. Small business owners you don’t need to cut corners just know where to trim. Here are 5 ways to keep your cash flowing without losing quality!

#SmallBusinessTips #SmartBusiness #EntrepreneurLife #FinancialWisdom

[Jeremy Torgerson, MRFC @JToddTorg]

Just enrolled in a 401(k)... still waiting for someone to tell me where the race starts 🏃‍♂️

#finance #financialfreedom #investment #financialliteracy #personalfinance #financialplanning #wealthbuilding #budgeting #moneymanagement #FinanceHumor #401kProblems

[Jeremy Torgerson, MRFC @JToddTorg]

Jeremy Torgerson, our CEO at nVest Advisors, has spent years helping families and individuals create lasting financial stability. It’s about staying focused, being patient, and making intentional decisions.
His advice? Slow and steady isn’t just a saying, it’s a strategy!
#nVest

[Jeremy Torgerson, MRFC @JToddTorg]

When you follow those “easy money” stock tips on TikTok, and realize you’ve skipped over the basics like budgeting and saving.
For a tailored financial plan or a second opinion to ensure you're on the right track, click here to book an appointment.
https://t.co/SY9vDpt47I

[Jeremy Torgerson, MRFC @JToddTorg]

Trump's recent tariff decision is set to impact costs and markets. Understanding these changes is key to making informed financial decisions. Here’s what you need to know.
#Tariffs #FinancialImpact #nVestAdvisors

[Jeremy Torgerson, MRFC @JToddTorg]

#tariffs

It’s not time to panic but the broader economy has been much bigger concern for a while now. Read my Facebook post on this issue.

[Jeremy Torgerson, MRFC @JToddTorg]

Building lasting wealth starts with disciplined financial habits. These five essential practices can set the foundation for long-term success. Which one are you focusing on today?"

#Finance #Investing #FinancialLiteracy #Money #Budgeting #DebtFreeJourney #FinancialGoals