September 2022

The fall season begins today, and my family and I are officially in a new groove! My oldest is now a college freshman – my wife dropped him off at Chapman University in late August. The family and I also took a trip to Disneyland over Labor Day weekend to celebrate his 18th birthday, which was a great time despite the intense heat wave!

I continue to be here for you as together we work to get you closer to your financial goals. This is the fourth edition of our Financial Edge newsletter, and I hope you’re finding these updates and insights valuable. Please feel free to contact me at any time; I am dedicated to providing you with the highest quality of wealth management service.  

Yours truly,

New Blog Post: End-of-Year Giving

While we are months away from year end, now is the perfect time to proactively consider your intentions for individual and charitable giving – and how to strategically take advantage of various tax benefits. Read more here.

Reminder: Orion Platform

The Client Login page of our website includes a link to the Orion platform, where you can access performance information and other portfolio details dating back to when we began working together at Certus Wealth Management. If you haven’t yet logged in, please contact us to obtain your login credentials. Note: the Schwab login, where you can view your Schwab account history, statements, and documents, remains available.

Insights: Inflation Forecast

Despite the higher-than-anticipated August inflation report (which is causing some additional volatility in the short-term), a recent New York Federal Reserve consumer sentiment survey shows expectations for inflationary decline in the short-, medium-, and long-term – with five-year inflation expected to be at 2.29%. The decrease could be attributed to falling prices of gas and food, as well as slowed growth in home prices and spending. 

While there is also volatility related to the Fed's current hawkish stance on inflation and yesterday's 0.75% Federal funds rate increase to aggressively combat inflation, the expected five-year inflationary decline is viewed by many as good news and a welcome sigh of relief. It is also a reminder to look at the bigger, long-term picture of your financial goals. While the Fed may be aggressive in how they’re approaching inflation and interest rates in the near term, history shows that inflationary setbacks eventually right themselves and maintaining commitment to your overarching strategy can help you ultimately reach your goals.

We are here for you. Want to discuss your unique goals in more detail? Contact us here.

Financial Advice is offered through Certus Wealth Management LLC, a Registered Investment Adviser. 
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