Money is emotional for a lot of people. And it’s these emotions that often get in the way of saving for the future.

In January, Fed Funds futures, which imply the market-based odds of a Fed rate move, were only pricing in one and a half rate cuts for 2025, meaning that sticky inflation and a healthy job market made aggressive economic loosening unlikely.

Monthly Expense Worksheet

Despite brief bouts of volatility in August and September, the S&P 500 roared back to once again end the quarter at an all-time high.

Despite recent bouts of volatility, equity markets marched higher, ending the third quarter at all-time highs. 

Despite splashy headlines, equity markets again hit an all-time high in January and finished the month with positive returns.

In this newsletter we're diving into personal updates from the Gibson-Johnson Team as well as essential topics to help you navigate the complexities of today's financial landscape.