In this episode, we delve into the latest insights on retirement planning amidst rising living costs and inflation. Here’s what we cover:

1. Current Inflation and Social Security Adjustments:
- 2025 Cost-of-Living Adjustment (COLA): A 2.5% increase for Social Security reflects slowing inflation, down from higher increases in recent years.
- Impact on Retirees: While the COLA helps, it's still challenging to keep up with the high costs of essentials, particularly healthcare and housing.

2. Withdrawal Strategies and the 4% Rule:
- Evaluating the 4% Rule: We examine the historical basis of this popular retirement withdrawal rate, noting that only once in the 1960s did it dip to 4% for balanced portfolios.
- Market Conditions’ Influence: Market variability underscores the importance of a flexible withdrawal strategy, as safe withdrawal rates can fluctuate with economic cycles.

3. Increasing Life Expectancies and Longevity Risk:
- Life Expectancy Trends: Today’s retirees may live well into their 90s, leading to what’s known as "longevity risk," where the risk of outliving one’s savings intensifies.
- Balancing Growth and Income: Strategies for ensuring portfolios generate growth and income to maintain quality of life over longer retirement horizons.

4. Key Takeaways:
- Inflation remains a challenge despite recent deceleration.
- Retirees must manage longevity risk through growth-oriented investments alongside traditional income-focused strategies.
- Adapting withdrawal rates and building resilient portfolios can help support a fulfilling, secure retirement.

Let’s break down these concepts with expert insights and actionable steps for today’s retirees and those preparing for their retirement journey. Tune in to navigate the financial landscape with confidence!

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions: info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

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In this episode, we explore the effects of rising and falling interest rates on bonds and money market funds. We discuss:

• Bonds as a Hedge: Are government bonds have become a less reliable hedge in volatile markets
• Money Market Funds: The behavior of money market fund assets following the first Fed rate cut and historical trends.
• Equities Outlook: Are U.S. equities and sectors poised for growth as inflation cools?

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions: info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

Today Ryan, Brian, and Eric all jumped on the podcast to discuss today's news that the Federal Reserve is cutting the Fed Fund rates by 0.50%, the first cut by the Fed in 4 years and the first of what is likely many to come.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions: info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

Send in your questions!

In this episode, we dive into the complexities of 401(k) plans and the audits conducted by the Department of Labor (DOL). The Employee Benefits Security Administration (EBSA) is the group responsible for investigating and auditing 401(k) plans, which can be a significant challenge for plan sponsors.

Key insights discussed:

• EBSA’s investigations recovered an average of $573.5 million annually from FY2019-FY2023, with more than 65% of cases resulting in corrective action.
• This marks a significant increase from prior years, reflecting the growing impact of these investigations.

Join Brian, Ryan, and expert Marc Fowler from 401k provider Human Interest as they explore:

1. What triggers a DOL audit?
2. What happens during a DOL audit?
3. How can employers or plan sponsors prepare for these audits?
4. Who can assist with navigating a DOL audit?

Tune in for expert advice on ensuring your 401(k) plan stays compliant and audit-ready.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions: info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

To paraphrase Ernest Hemingway, changes in the stock market often happen "gradually, then suddenly." This week Brian and Ryan discuss how, over the past month, there has been a rotation from large-cap technology stocks to small caps and other sectors. However, following the latest jobs report, global stocks experienced a sharp pullback due to concerns about the timing of Fed rate cuts, a weakening labor market, and disappointing tech earnings. Financial markets are on edge as investors adjust to this shifting economic landscape.

The Nasdaq is now in correction territory, marked by a 10% decline from recent highs. The S&P 500 has dropped 5.7% from its peak three weeks ago, while the Dow has been more stable with a 3.5% decline. The VIX, often referred to as the market’s "fear gauge," has surged to its highest level since early 2023. Additionally, the 10-year Treasury yield has fallen below 3.8%, a significant drop from 4.7% just three months ago.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions: info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

This week Brian and Ryan took to the second half of 2024 by reviewing some of the key highlights from LPL Research's recently unveiled Midyear Outlook 2024: Still Waiting for the Turn, the semi-annual report that recaps where markets and the economy have been over the first half of 2024.

As we reach the halfway point of 2024, a sense of persistence defines the economic and market landscape. Trends from late 2023 have continued, with surprisingly resilient economic growth mixed with stubborn but decelerating inflation. The stock market thrived in this better-than-expected environment, having regained all the lost ground from 2022, while the bond market continues to grapple with policy uncertainty and remains largely range-bound.

While it’s tempting to forecast a continuation of these trends, the analysis suggests an impending shift. The economy looks poised to cool down in the second half, while volatility is likely to rise – changes that will impact interest rates and markets.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions: info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

Over the past few years, the path of interest rates has been highly unpredictable due to factors like inflation, economic growth, and the Federal Reserve's policies. The 10-year U.S. Treasury yield exemplifies this volatility, having surged from 3.8% at the end of last year to a peak of 4.7% in April, before recently settling around 4.2%. These higher rates have confounded the expectations of investors and economists, creating a challenging environment for the bond market, as rising rates lead to falling bond prices.

However, with inflation starting to show signs of improvement, many now anticipate that the Fed might begin cutting rates by the end of the year. In this episode, Brian and Ryan explore what perspectives diversified investors need to maintain balance and stability in the months ahead. Join us as we delve into the implications of these economic trends and provide insights to help you navigate this complex landscape.

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions: info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!

In this eye-opening episode of the Casual Friday: Financial Insights podcast, hosts Brian and Ryan delve into the ever-evolving world of online scams, fraud, and identity theft. As the digital landscape expands, so do the tactics of cybercriminals. Brian and Ryan shed light on some of the most common and insidious scams circulating today, from phishing emails and fake tech support calls to social media scams and fraudulent websites.

With their extensive knowledge and experience, the hosts offer practical advice and strategies to help you safeguard your personal information and financial well-being. Learn how to spot red flags, secure your online accounts, and protect yourself from becoming a victim of identity theft.

Tune in to equip yourself with the knowledge and tools you need to navigate the digital world safely. Don't miss this essential episode that could save you from falling prey to online scams.

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**Topics Covered:**
- Common online scams and how they operate
- Real-life examples of fraud and identity theft
- Tips for protecting your personal and financial information
- Steps to take if you suspect you’ve been scammed
- Resources for further information and assistance

**Resources Mentioned:**
- FTC Consumer Alert Website on Scams
- IdentityTheft.gov
- FBI Scams and Safety Website

**Connect with Us:**
- Subscribe on YouTube: https://www.youtube.com/@fordfinancialgroup
- Subscribe to the Casual Friday - Financial Insights podcast: Apple and Spotify
- Share your stories or questions: info@FordFG.com
- Find us on the Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

Send in your questions!