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Fastest Four Minutes in Finance

Financial insights and updates to help make you financially smarter in four minutes or less. Stay up to date on what’s going on in the market (and anywhere else in the world) that could impact you and your money. 

Featured Episode

Five months into the year, and we still don’t know which way the economy is really going. We discuss in this week's 💲 Fastest Four Minutes in Finance. #FastestFour #FastestFourMinutesInFinance #economy #marketupdate #marketcommentary #inflation #socialsecurity #income #retirementincome #financialindependence #financialeducation #financialliteracy #genwealthfinancial #genwealthacademy ************ TRANSCRIPT: As we enter June, the economic situation continues to be fluid in the U.S. The Federal Reserve’s most recent rate hike in early May was initially thought to be its last of the cycle. But, that has changed, as LPL Research now tells us the odds are at 60% that there will be another rate hike this month.   One of the reasons is that some of the language from Fed members has suggested that inflation is not yet under control. It seems demand has not cooled across all sectors of the economy, and consumer spending just keeps chugging along, up almost a full percentage point from the 4th quarter of 2022 to the 1st quarter of 2023.  It continues to be difficult to slow this economy down. We’ve talked in previous editions of the Fastest 4 that credit card debt hit all-time highs earlier this year, which suggested that the spending would have to slow down soon as consumers maxed out limits and even failed to make payments.   That would be bad news for the economy. But, there is another side to what’s propping up consumer spending, and that’s wage growth.  Take a look at this graph from Statistica. It plots the year-over-year inflation rate compared to wage growth. You can see that since inflation took off in 2021, wage growth lagged behind, until February of this year. In that month wages grew at 6.1% and inflation was at 6%. The gap widened in March with wages growing at 6.4% and inflation cooling to 5% year-over-year.  Of course, these are broad numbers, but it stands to reason that if a person’s income grows faster than prices go up, they will be able to sustain their lifestyle. If Americans are able to do that as a whole, they keep corporations profitable, which could avoid recession.  That’s THE economy. So what about YOUR economy? 🤔 If you are still working, and will be for a long time, what’s your plan to increase your income? If it hasn’t happened at your existing job, is it time for a new one?   If you are trying to achieve true financial independence, the graph highlights a key component to maintaining your financial independence: you have to plan to raise your income. Your retirement could last 30 years or more. You likely wouldn’t work at the same job for 30 years without a pay raise. You can’t live on the same income for 30 years in retirement.   You will receive Cost of Living Adjustments (COLAs) from Social Security, but that won’t be enough to overcome inflation. The solution is having a written plan that shows you the starting monthly income you can receive from the combination of your guaranteed income sources like Social Security and pensions, and withdrawals from your investments, and illustrates annual increases to that income to keep you ahead of inflation.  This would allow you to know if you’re on track for true financial independence. If you need more income, and you are still a few years out from retirement, you could increase your savings rate. If you are ready to leave your job, and need more income, this would help determine what kind of part-time income you might need to supplement your retirement income.   You can’t control inflation, interest rates, or wage growth, but you can control how you plan for all three. And that can provide clarity for YOUR economy, even when there is none for THE economy.  ********** Want more content like this (plus bonus content you won't get anywhere else) delivered straight to your inbox? 📥 Visit fastest4.com! GenWealth Financial Advisors getreadyforthefuture.com Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and GenWealth Financial Advisors are separate entities from LPL Financial.💲
YouTube Video VVVURWk4ODRvVmpfZmNFZmxlN2NYLTNBLkF4c05GY3NGWnJJ
Five months into the year, and we still don’t know which way the economy is really going. We discuss in this week's 💲 Fastest Four Minutes in Finance. #FastestFour #FastestFourMinutesInFinance #economy #marketupdate #marketcommentary #inflation #socialsecurity #income #retirementincome #financialindependence #financialeducation #financialliteracy #genwealthfinancial #genwealthacademy ************ TRANSCRIPT: As we enter June, the economic situation continues to be fluid in the U.S. The Federal Reserve’s most recent rate hike in early May was initially thought to be its last of the cycle. But, that has changed, as LPL Research now tells us the odds are at 60% that there will be another rate hike this month.   One of the reasons is that some of the language from Fed members has suggested that inflation is not yet under control. It seems demand has not cooled across all sectors of the economy, and consumer spending just keeps chugging along, up almost a full percentage point from the 4th quarter of 2022 to the 1st quarter of 2023.  It continues to be difficult to slow this economy down. We’ve talked in previous editions of the Fastest 4 that credit card debt hit all-time highs earlier this year, which suggested that the spending would have to slow down soon as consumers maxed out limits and even failed to make payments.   That would be bad news for the economy. But, there is another side to what’s propping up consumer spending, and that’s wage growth.  Take a look at this graph from Statistica. It plots the year-over-year inflation rate compared to wage growth. You can see that since inflation took off in 2021, wage growth lagged behind, until February of this year. In that month wages grew at 6.1% and inflation was at 6%. The gap widened in March with wages growing at 6.4% and inflation cooling to 5% year-over-year.  Of course, these are broad numbers, but it stands to reason that if a person’s income grows faster than prices go up, they will be able to sustain their lifestyle. If Americans are able to do that as a whole, they keep corporations profitable, which could avoid recession.  That’s THE economy. So what about YOUR economy? 🤔 If you are still working, and will be for a long time, what’s your plan to increase your income? If it hasn’t happened at your existing job, is it time for a new one?   If you are trying to achieve true financial independence, the graph highlights a key component to maintaining your financial independence: you have to plan to raise your income. Your retirement could last 30 years or more. You likely wouldn’t work at the same job for 30 years without a pay raise. You can’t live on the same income for 30 years in retirement.   You will receive Cost of Living Adjustments (COLAs) from Social Security, but that won’t be enough to overcome inflation. The solution is having a written plan that shows you the starting monthly income you can receive from the combination of your guaranteed income sources like Social Security and pensions, and withdrawals from your investments, and illustrates annual increases to that income to keep you ahead of inflation.  This would allow you to know if you’re on track for true financial independence. If you need more income, and you are still a few years out from retirement, you could increase your savings rate. If you are ready to leave your job, and need more income, this would help determine what kind of part-time income you might need to supplement your retirement income.   You can’t control inflation, interest rates, or wage growth, but you can control how you plan for all three. And that can provide clarity for YOUR economy, even when there is none for THE economy.  ********** Want more content like this (plus bonus content you won't get anywhere else) delivered straight to your inbox? 📥 Visit fastest4.com! GenWealth Financial Advisors getreadyforthefuture.com Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and GenWealth Financial Advisors are separate entities from LPL Financial.💲
YouTube Video UExwOEdIXzI3QmVJZndZVm83QXVFUm1BQk9sMmdFbFRBaS4xOTEzQzhBQzU3MDNDNjcz

June 1st

It's time to hit the pause button on what we normally talk about on the Fastest Four 🫡 #FastestFour #FastestFourMinutesInFinance #MemorialDay #MemorialDayWeekend #MemorialDay2023 #MillitaryAppreciation #HonorAndRemember #RememberingHeroes #LandOfTheFree ************ TRANSCRIPT: Every week, I scour financial news websites, financial services media, and our own internal information from LPL Financial to come up with the subject of this report.  As I was doing that this week, and trying to decide if I would write about the possibility of a debt ceiling default, or about how many CEO’s of S&P 500 companies are talking about recession less, and what that might mean about the direction of our economy, I realized - this weekend is Memorial Day weekend.   Now, I knew that it was Memorial Day weekend already, because I have family plans for a weekend of food and fun around the swimming pool. But, I hadn’t stopped to reflect on WHY it is Memorial Day weekend. When I did, I felt like it was time to hit the pause button on what we normally talk about on the Fastest Four.  You probably know that Memorial Day is always observed on the last Monday in May, and was established to honor the men and women who died while serving in the U.S. military.   But, here’s what I didn’t know. According to the Department of Veterans Affairs, three years after the Civil War ended, the head of an organization called the Grand Army of the Republic, which was made up of Union veterans, established Decoration Day. It was meant to be a time for Americans to decorate the graves of those who died in the war. A day in late May was chosen, possibly because it would be a good time for flowers to be in full bloom 💐 Memorial Day as we know it, didn’t become an official federal holiday until 1971.  So, what does all this have to do with finance? Well, that depends on your perspective.  Both my grandfathers served in World War 2. They both made it back home. I think about how fortunate I am that they came home to help my grandmothers raise their kids, make sure they were educated, teach them work ethic, how to earn income and even save for their future. In essence, chase the American dream. Their children became my parents, and did the same for me.   Think about how much more difficult it was for those families who had a loved one that didn’t make it home. Beyond the mourning and the lasting hole that a family death leaves, there are generations of challenges to overcome. Of course, many did, and may still are. They deserve to be honored as well.  I also think about the continuing freedom that we have in this country to pursue our American Dream. It is a result of the men and women who lost their lives in the battle to make sure this country exists.  In our office, there is a chart of the stock market, and its performance over the decades going all the way back to 1926. It shows how investing in stocks has historically been a great long-term decision no matter what major crisis appeared that drove it down for a short period of time.  Among the financial crises appearing on that chart, are many crises like Pearl Harbor, D-Day, the Bay of Pigs, Cuban missile crisis, the Persian Gulf War, 9/11. All these events caused short-term turmoil, but the market has since recovered and gone on set new highs, creating more wealth for more people than any other thing in human history.  This might have been different if the U.S. didn’t prevail from those conflicts. We prevailed for many reasons, but one of the biggest is because millions of men and women have been willing across those decades to lay down their life for this country. Many did lay their life down. And we all owe them our freedom, our way of life, and our financial opportunities. So, this week, the debt ceiling, recession, and inflation can wait. This week, all of us at GenWealth would just like to say, "Thank you." 🪖🇺🇸 ********** Want more content like this (plus bonus content you won't get anywhere else) delivered straight to your inbox? 📥 Visit fastest4.com! GenWealth Financial Advisors getreadyforthefuture.com Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and GenWealth Financial Advisors are separate entities from LPL Financial.
YouTube Video UExwOEdIXzI3QmVJZndZVm83QXVFUm1BQk9sMmdFbFRBaS5BRjJDODk5REM0NjkzMUIy

May 25th

Inflation is being blamed for Americans reaching a record high in credit card debt, and it’s catching up with them. In this week's Fastest Four Minutes in Finance, we uncover the rising concern of credit card debt and its impact on Americans. ************ TRANSCRIPT: According to a Federal Reserve Bank of New York report released this week, the share of credit card debt that is 30 days or more past due, increased by .6 percentage points during the first three months of the year. In other words, more Americans are not paying off their credit card debt.  Inflation is taking a bigger bite out of Americans’ income, and it could be that is causing them to pile up the credit card debt.  I think the first thing you have to analyze is whether what you are putting on a credit card is necessity or want. For instance, if you are having trouble buying gas or groceries from your paycheck, that’s one thing, if you are used to going out to eat three times a week, and are still trying to do that, but instead of paying for it with your debit card, you are putting it on a credit card, it’s time to rethink it.   I was recently asked to join Yahoo Finance Live to talk about credit card debt. One of the things I shared was a two-pronged approach to credit cards, depending on where you are. First, we need to be educated about how to use credit cards wisely, but, if you haven’t used them wisely, you need a plan get the debt wiped out.  Having a credit card is not problem and is even of value to you if you never carry a balance. To do that, you need to only use a credit card within the parameters of a monthly budget. If you know how much you can charge to the card each month based on how much you can afford to pay from your bank account, you will be able to take advantage of the points/cash back/loyalty programs that a credit card offers, without paying interest. That’s the best usage of a credit card. It is not a piggy bank to tap. It is not a way to pay for vacation, or a new toy. You should have a cash savings account for purchases that don’t fit into your budget.  This takes discipline, and planning. Cash may no longer be king, but Cash flow is King. You can’t achieve financial independence if you are spending more than you make, or even if your margins between income and expenses are too thin.  If you’ve gotten yourself into credit card debt, we need to wipe it out. At GenWealth, we collect information about all of a client’s debts, including balances, monthly payments, and terms, and utilize software to create a plan to wipe all debt out by a specified date in the future, often times that’s at retirement.   Often times we will find that clients have other fixed-rate debt like a car loan that paying the monthly payment may be all that’s needed because it is on a schedule. Making small payments on a credit card can take forever to pay off, as well as cost you so much more in interest. Credit card debt should be the first thing to attack.  We have found that a client needs a win early in that plan. Oftentimes, instead of the higher interest rate debt, we may attack the smallest credit card balance first. We concentrate all our effort on eliminating that debt while paying the minimum amount on the others. Once that debt is paid off, we snowball what we were paying on the small debt onto the next one.   I would also suggest only carrying one credit card. It can be hard to resist the offers of getting discounts from specific stores just for opening an account, or for making a purchase with a separate card. But, the reality is the more cards you have, the more difficult it can be to track your spending.   Just pick your favorite way to receive rewards and stack it all up in one place. For instance, if it's airline miles you find that will benefit you the most, use a card from an airline. If you like cash back, find the card that offers the most cash back. You may miss a 5% discount somewhere else, but, at least you know there’s only one place to look to see what you’re spending.   If you need help getting rid of credit card debt, or an overall plan to reach financial independence, a GenWealth advisor is available to you.   ********** Want more content like this (plus bonus content you won't get anywhere else) delivered straight to your inbox? 📥 Visit fastest4.com! GenWealth Financial Advisors getreadyforthefuture.com Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and GenWealth Financial Advisors are separate entities from LPL Financial.💲
YouTube Video UExwOEdIXzI3QmVJZndZVm83QXVFUm1BQk9sMmdFbFRBaS40QTA3NTU2RkM1QzlCMzYx

May 17th

Is the latest inflation data released this week good news or bad news for the market? That’s the subject of this week’s Fastest 4 Minutes in Finance 💲 #genwealthfinancial #scottinman #fastestfourminutesinfinance #finance #marketupdate #marketcommentary #retirement #investing #financialadvisor #financialadvisors #financialeducation #financialliteracy #inflation #consumerpriceindex #cpi #energyprices #foodprices #shelterindex #stockmarket #economy #useconomy #federalreserve #interestrates ************ TRANSCRIPT: April inflation data was released this week and it was pretty much in line with expectations.  The Consumer Price Index was up 0.4% in April, compared to March, and year-over-year, prices rose 4.9%. That’s the lowest annual inflation rate we’ve seen in two years, which is about the time inflation began to run hot.  Core CPI, which takes out food and gas prices, was up 5.5% year-over-year, and also up 0.4% from the previous month.   Under the hood of the overall inflation number, we find that rent prices continue to climb. The index for rent rose 0.6% last month, and the shelter index was up 8.1% year-over-year. Those increases accounted for about 60% of the total increase in core inflation.  ⛽ Energy prices were down 5.1%, but food was up 7.7% compared to last April, but food at home continued its month-to-month trend of declines.  Really, this inflation report seems to be all over the map. The market responded with confusion. The S&P 500 and the Dow Jones started the day in the green but turned red as the trading day went on.   Investors want clarity on the timeline of when will we tame inflation and when the Fed will decide enough is enough on raising interest rates. We are just not getting that clarity.   There is still good chance the rate hikes are over. Language from the Fed’s last meeting suggested they might take a pause on raising interest rates. But, the likelihood of cutting rates anytime this year seems to be very low.   Inflation is trending down, but prices are still rising at above historical rates. So, the argument could be made that we, as investors, and consumers, should be prepared for higher rates, and higher than normal inflation for a longer period of time.  So, what should we do? 🤔 We have to understand the environment.   For instance, interest rates on fixed investments like CD’s look more appealing than they have in decades. But, if prices are rising at almost the same rate, which they are, you are not outpacing inflation.  The place for CD’s and money market funds is for your short-term money. If you need to spend it in the next year, these investments might be ideal.  But, if you are preparing for a longer-term future like retirement, or trying to reach true financial independence, you can’t be afraid of what happens in the stock market during the next year. Stocks will continue to be volatile until clarity is reached on the economy, but, historically, stocks are one of only two asset classes that have outpaced inflation. The long-term rate of return of the S&P 500 is around 9%. The average inflation rate is 3.8% since 1960.  Bottom line – the jury is still out on how long it will take the Fed to tame inflation, but it shouldn’t affect your plan to beat it.   ********** Want more content like this (plus bonus content you won't get anywhere else) delivered straight to your inbox? 📥 Visit fastest4.com! WHAT TO EXPECT: One four-minute video with relevant financial information. Three things you should know from the past week in finance. Two informative or inspirational quotes. One question to ask yourself to make sure you are staying on track with your personal finances. WHAT NOT TO EXPECT: Overly "salesy" material More emails than you signed up for (we hate spam too) Unicorns. You definitely can't expect that. GenWealth Financial Advisors getreadyforthefuture.com Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and GenWealth Financial Advisors are separate entities from LPL Financial.💲
YouTube Video UExwOEdIXzI3QmVJZndZVm83QXVFUm1BQk9sMmdFbFRBaS45RjNFMDhGQ0Q2RkFCQTc1

May 11th

In this week's 💲 Fastest Four Minutes in Finance, Scott Inman offers some clarity on the new rules implemented by the Biden administration that will affect the fee structure charged by Fannie Mae and Freddie Mac, the government-sponsored organizations responsible for about 50% of mortgages in the United States 🏡 #genwealthfinancial #scottinman #fastestfourminutesinfinance #finance #marketupdate #marketcommentary #retirement #investing #financialadvisor #financialadvisors #financialeducation #financialliteracy #mortgagefees #fanniemae #freddiemac #homeownership #GenZ #interestrates #recession #inflation #creditcarddebt ************ TRANSCRIPT: You’ve probably heard some chatter about new rules being implemented by the Biden administration that will increase fees on new mortgages 🏠 It’s become a hot-button political issue. So, on today’s Fastest 4 Minutes in Finance, we are going to try to offer some clarity. The rules, which went into effect May 1st, will change the fee structure charged by Fannie Mae and Freddie Mac. Those are the government-sponsored organizations that are responsible for about 50% of mortgages in the United States. So, it affects a lot of homebuyers.  The fees will go up for borrowers with good credit scores, and go down for borrowers with riskier scores. As an example, a buyer with a score of 740 and a 15% down payment would have paid 0.25% on their mortgage. That is now going up to 1%.  A borrower with a score of 640 with a 15% down payment is going from 3.25% to 2.5%.   So, while the borrower with a lower credit score is still going to pay more for their mortgage, the new rules do seem to penalize someone who has built up good credit, at a time when homes are becoming more difficult for first-time buyers to afford.  Mark Calabria, who ran the Federal Housing Finance Agency under President Trump, told Financial Advisor Magazine that buyers with weak credit and low down payments are especially vulnerable to default, and "it’s the equivalent of putting someone out there in a rubber dingy during a tsunami." 🌊 With recession risk and interest rates rising, and some banks failing it does seem like a bad time to potentially issue riskier loans.   At the same time, homeownership is becoming a pipe dream for many younger people.  According to a survey from Lending Club Corp., almost two-thirds of Gen Z, defined as 26 years old and younger, were living paycheck to paycheck in March. That’s an 8% increase from a year ago.  That means they have no emergency savings and would be in immediate debt if an unexpected cost arose. Higher inflation has driven up the cost of even basic necessities, at a time when these younger Americans are starting out and making lower incomes.  Not only are they not saving money, but they are putting more on credit cards. Credit card debt reached an all-time high earlier this year, and recent data suggests delinquency rates are on the rise, which would affect credit scores.  The fee changes instituted this week clear a path to homeownership for more people.  Vanessa Perry, a professor at George Washington University School of Business told Bloomberg News,"it’s not the case that every category of person with good credit will pay more. There’s not that sort of direct relationship here and it does not affect any particular category of borrower across the board." She says this is an effort to adjust risk-based pricing, or in other words, to re-estimate the cost associated with bearing those risks.  However, it is shifting that cost in part, to those with good credit. There’s no question that sometimes low credit scores are not exclusively a result of poor money management. But, at the same time, good credit scores are a good sign that mortgages will not go delinquent. It’s possible the fee changes will not be significant enough to further damage the economy. The better question is why would we even want to take that chance?  ********** Want more content like this (plus bonus content you won't get anywhere else) delivered straight to your inbox? 📥 Visit fastest4.com! WHAT TO EXPECT: One four-minute video with relevant financial information. Three things you should know from the past week in finance. Two informative or inspirational quotes. One question to ask yourself to make sure you are staying on track with your personal finances. WHAT NOT TO EXPECT: Overly "salesy" material More emails than you signed up for (we hate spam too) Unicorns. You definitely can't expect that. GenWealth Financial Advisors getreadyforthefuture.com Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and GenWealth Financial Advisors are separate entities from LPL Financial.💲
YouTube Video UExwOEdIXzI3QmVJZndZVm83QXVFUm1BQk9sMmdFbFRBaS42MTI4Njc2QjM1RjU1MjlG

May 3rd

Data released this week shows that the U.S. economy is on a highly unpredictable path in 2023. Scott Inman discusses in this week's Fastest Four Minutes in Finance 💵 #genwealthfinancial #scottinman #fastestfourminutesinfinance #finance #marketupdate #marketcommentary #retirement #investing #financialadvisor #financialadvisors #financialeducation #financialliteracy ************ TRANSCRIPT: John Shrewsbury and I were on the morning show on 103.7 THE BUZZ this week and a question came in from a listener. He asked if he should buy puts or calls on Amazon stock.   With all due respect, he is asking the wrong question. If you think about the question, he is trying to predict whether Amazon stock will go up, or go down, over a short period of time. That’s a gamble. It might be an educated gamble, but so is betting on a horse race 🏇 Data released this week shows that the U.S economy is on a highly unpredictable path in 2023.  GDP for the first quarter of the year came in a 1.1%. That’s a big drop from 2.6% in the last quarter of 2022, and a disappointment from the estimated 2% expected. GDP stands for Gross Domestic Product, and is an estimate of the value of all goods and services produced and sold in the U.S.  Two chief components of the GDP were pulling in opposite directions. Business equipment fell at a 7.3% rate, showing businesses are preparing for an economic slowdown. However, 🛍️ personal spending was still up 2.5% for the quarter.  There was also some suggestion that inflation is not completely settled on a downward trend either 😩 The PCE, which stands for Personal Consumption Expenditures, rose 4.2% in Q1. That was up from 3.7% the previous quarter.  Claims for jobless benefits were down in the latest report, but at the same time, the unemployed are having a harder time finding jobs.   The data strongly shows the economy is slowing down, and may very well be headed for a recession.  The Federal Reserve will meet on May 3rd and may or may not raise interest rates again. On one hand, they see that inflation has cooled, but, still may not be settling into a path back to 2%. On the other hand, business spending and job market are clearly drifting toward recession.   After the data this week, markets are pricing in an 83% chance of a quarter-point hike. That’s up from 72% the day before it was released.   So, you would think that the markets were rattled by the weak economic data. Not immediately. The S&P 500 Index rose more than a full percentage point on the day the GDP and PCE numbers were released.  And, LPL Research reminds that even if we do go into a recession, the stock market may actually go up.   The bottom line here is – markets don’t always make sense in the short term! 📻 Back to our radio listener. If he wants to play with puts and calls using money he would otherwise take to the horse track, that’s fine.  But, gambling with money you will need for retirement like that doesn’t make any more sense than bad news driving the market up on any given day.  Believing in the long-term success of the stock market does make sense. Since 1928, The S&P 500 was positive 75% of the time over a 1-year-period. The longer you stretch the time period, the better that percentage gets. It has been positive 89% of the time over a 5 year period, 94% of the time over a 10 year period, and 100% of the time over a 20 year period.   Belief in the long-term success of the stock market is vital to your investment strategy, but betting on the short-term direction of the stock market, is a recipe for disaster 👎 ********** Want more content like this (plus bonus content you won't get anywhere else) delivered straight to your inbox? 📥 Visit fastest4.com! WHAT TO EXPECT: One four-minute video with relevant financial information. Three things you should know from the past week in finance. Two informative or inspirational quotes. One question to ask yourself to make sure you are staying on track with your personal finances. WHAT NOT TO EXPECT: Overly "salesy" material More emails than you signed up for (we hate spam too) Unicorns. You definitely can't expect that. GenWealth Financial Advisors getreadyforthefuture.com Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and GenWealth Financial Advisors are separate entities from LPL Financial.
YouTube Video UExwOEdIXzI3QmVJZndZVm83QXVFUm1BQk9sMmdFbFRBaS5CMEQ2Mjk5NTc3NDZFRUNB

April 27th

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