October 2026 Financial Market Update

Presented by Marc Aarons

 In September, the Federal Reserve delivered its first rate hike since 2023, and long-term Treasury yields jumped as the U.S.-Iran conflict drove oil prices higher. Most stocks and bonds fell together, an uncommon pairing that gave diversified investors little room to gain ground.

With that as context, here’s how the major indexes finished the month.

Major U.S. Stock Indexes

Technology carried the month. The Nasdaq 100 rallied on strength in AI and chip stocks, while the S&P 500, the Dow, and shares of smaller companies fell as rising rates hit the rest of the market.

• The S&P 500 slipped 0.45%.
• The Nasdaq 100 rallied 3.23%.
• The Dow Jones Industrial Average slumped 4.29%.

What Shaped the Month

Growth outpaces expectations. Second-quarter growth was revised up to a 2.2% annual rate, lifted by stronger consumer spending and business investment, even as borrowing costs and energy prices climbed. That strength supports paychecks and profits, but it also makes inflation harder to tame.

Diesel crosses $6. The national average passed that mark for the first time in September and by late September was up about 70% since the U.S.-Iran conflict began, as attacks on tankers and Russian refineries, along with Moscow’s export ban, left refiners unable to keep up. Because diesel moves nearly every product to market, its cost flows into freight, food, and delivery prices, making it a broader source of price pressure than gasoline.

The Fed hikes rates. At its September meeting, the Federal Reserve raised its benchmark rate by a quarter point. After this, most policymakers are forecasting another hike in 2026. Even with a softer inflation reading late in the month, the Fed has little reason to ease while prices are still rising too quickly.

Bond yields climb. The 10-year Treasury yield rose to its highest level since 2007. When yields rise, the value of existing bonds falls, especially for funds holding longer maturities. Over time, higher yields can increase rates on mortgages, car loans, and business borrowing.

What to Watch in October

October will reveal whether September’s surge in energy prices and bond yields was a passing shock or the start of something more durable. The mid-month consumer price report will be the key test. A fuel-driven increase might be manageable, but signs that higher costs are spreading into rents, insurance, and other services would strengthen the case for another hike at the Fed’s late October meeting.

Know that I am keeping a close eye on the markets and am here if you have any questions. Please don’t hesitate to reach out. I am happy to be a resource for you.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

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HOW TO MITIGATE RETIREMENT CHALLENGES

PRSENTED BY MARC AARONS

A few weeks ago, I was talking with a client who noted that post-COVID, the future—and the financial risks it presents—felt uncertain. It’s a sentiment that I’ve heard fairly often, and it’s true that no one would have predicted on January 1st, 2020, what was to come in the year following!

With that said, it’s worth remembering that hedging against risk is part of what we do for clients. In fact, we’re constantly keeping tabs on the markets, the economy, and key trends on our clients’ behalf.

Below are four risks many of our clients are facing, along with some general strategies that are often employed to combat these issues.

 1. Outliving Your Money

Thanks to medical advancements and healthier lifestyles, life expectancy has increased. It’s crucial to plan for a longer retirement to avoid outliving your resources.

There are a variety of strategies that can be employed to ensure income well into a retiree’s golden years. For example, annuities can be an ideal option for some clients, as they offer regular lifetime income.

In some cases, we may recommend a person approaching retirement age delay taking Social Security, as waiting increases monthly payouts by 8% annually up until age 70. Additionally, if you are earning the most money of your career ahead of retirement (as many are), it may be even smarter to wait to take Social Security benefits, as your monthly payout is based on your 35 highest-earning years, adjusted for inflation. Once an American hits 35 years of employment, the annual earnings for every additional year of employment can cancel out a year of lower annual earnings.

2. Rising Medical Expenses

With more Americans living longer, demand for health care services and long-term care providers has increased — and so have associated costs. Higher costs are expected to continue, and planning for these expenses is essential. Long-term care insurance and health savings accounts (HSAs) are just two options that can provide financial security and ensure that health care costs do not deplete your retirement savings.

As noted above, retirement planning involves anticipating and strategizing for these risks to secure a stable and comfortable retirement. We are here to help you do just that.

3. Changes in Markets

Market volatility is an inevitable part of investing, especially challenging when you’re nearing or in retirement. That is why, in many cases, the risk level of a portfolio decreases with age. When you’re younger, your portfolio tends to be riskier, with more opportunity for reward, because you have time to make up for any losses. When you’re older, your portfolio tends to have less risk but also less of a chance of outsized returns. This approach can offer key protection against market volatility in later years.

However, as some Americans have witnessed in recent years, it can be harder to keep a conservative risk level in investing during periods of high inflation.

4. Inflation

On the subject of inflation, maintaining a balanced exposure to growth-oriented investments like stocks is vital to keep up with inflation and preserve purchasing power. There are also other vehicles that can hedge against inflation, such as Treasury Inflation-Protected Securities (TIPS), which adjust returns based on inflation rates.

With that overview noted, if anything has changed in your life or if you would like to talk through any specific questions or concerns, know we are just an email or phone call a day. Please reach out to our team with any questions or for financial A dvice. We are always here to help.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

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July 2026 Federal Reserve Meeting Overview

Presented by Marc Aarons at Money Managers Inc.

The Federal Reserve (Fed) concluded its July 28th-29th meeting by leaving the federal funds target range at 3.50%–3.75%. Although the Fed ultimately left rates unchanged, this meeting carried more uncertainty than June’s as markets increasingly considered the possibility of another rate hike.

Several developments from this meeting provided additional insight into how the Fed is thinking about inflation, economic growth, and the path of monetary policy. Below is a breakdown of the key takeaways and what they could signal moving forward.

1. Interest rates remain unchanged.

The Fed voted 9-3 to keep its benchmark interest rate at 3.50%–3.75%. Although the majority of Fed policymakers favored holding rates steady, three policymakers voted to raise rates by a quarter of a percentage point, reflecting growing concern among some officials that inflation may require additional action. For now, the Fed appears willing to wait for more economic data before making another move.

2. Inflation remains the Fed’s highest priority.

Inflation continues to run above the Fed’s long-term goal of 2%, and Fed chairman Kevin Warsh reaffirmed that restoring price stability remains the central bank’s primary objective.

During his press conference, Warsh acknowledged that much of the recent inflation pressure has been driven by supply-related factors, particularly higher energy prices linked to renewed geopolitical tensions in the Middle East. While these types of price increases are outside the Fed’s direct control, policymakers are focused on determining whether those higher costs begin spreading more broadly throughout the economy.

Warsh indicated that policymakers are prepared to take additional action if inflation remains stubbornly above target, but he stressed that future decisions will be guided by incoming economic data.

3. The economy continues to show resilience.

Despite ongoing uncertainty, the Fed described overall economic activity as expanding at a solid pace. Business investment remains a bright spot, particularly in technology and artificial intelligence (AI), where companies continue making significant investments in equipment, software, and infrastructure.

Strong capital investment can help support productivity and long-term economic growth, although the Fed noted that the timing and overall impact of these investments remain uncertain. Overall, policymakers continue to view the economy as stable, even as inflationary pressures persist.

4. The labor market remains healthy.

The Fed reported that job growth continues to keep pace with the labor force and that the unemployment rate has remained relatively steady.

A stable labor market gives the Fed additional flexibility. As long as employment remains steady, policymakers may feel less urgency to lower interest rates while inflation continues to run above target.

At the same time, Warsh indicated that the Fed is continuing to study how advances in AI and business investment could affect productivity, employment, and the broader economy over time.

5. The Fed continues its new communication approach.

One of the more notable themes under Warsh’s leadership has been a shift away from providing detailed guidance about future interest rate decisions.

Rather than signaling where rates are likely headed, the Fed is allowing incoming economic data and financial markets to play a larger role in shaping expectations. Warsh noted that market interest rates have already moved higher in recent weeks, even without action from the Fed, suggesting investors are responding directly to changing economic conditions.

This means future policy decisions may be less predictable than in previous years, placing greater emphasis on inflation reports, employment data, and other key economic indicators between meetings.

6. What this could mean for your finances.

Here are a few considerations:

• Borrowing costs may remain elevated. Credit cards, personal loans, auto loans, and business financing are likely to remain relatively expensive while the Fed keeps rates at current levels.
• Mortgage rates already priced a rate hold. Mortgage rates do not move in lockstep with the Fed’s benchmark rate and are influenced by inflation expectations, Treasury yields, and broader market conditions. Because markets had largely priced in the Fed’s decision to hold rates steady ahead of the meeting, current mortgage rates may already reflect this outcome.
• Savings rates may continue to benefit. High-yield savings accounts, money market funds, and certificates of deposit (CDs) may continue offering attractive yields while short-term interest rates remain elevated.
• Markets may continue reacting to uncertainty. Investors are weighing persistent inflation, geopolitical developments, and the possibility of additional Fed action later this year. As a result, both stock and bond markets may continue experiencing periods of volatility.
• Staying focused on your long-term financial plan remains important. While Fed meetings often influence short-term market movements, successful investing is generally built around long-term goals, diversification, and disciplined decision-making, not any single policy announcement.

I will continue monitoring economic data, Fed policy, and market developments as they evolve. As always, if you would like to discuss your portfolio, financial plan, or investment strategy.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

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July brought mixed signals for investors to sort through. Inflation data pointed to cooling prices in June, and the labor market held steady even though the Federal Reserve grew more cautious without a rate hike.

At the same time, the U.S.-Iran conflict rattled supply concerns and whipsawed energy prices, while high-momentum stocks ceded ground as money shifted into other sectors.

Here’s how it all shook out for the month:

Major U.S. Stock Indices

Market leadership shifted throughout the month. Smaller companies and value plays advanced while AI and chip stocks pulled back, although strong earnings reports from Microsoft and other tech heavyweights trimmed some losses.

• The S&P 500 slipped 0.13%.
• The Nasdaq 100 plunged 6.61%.
• The Dow Jones Industrial Average edged higher by 0.32%.

The Macro Outlook

Economic growth slowed, but didn’t stall. Second-quarter GDP, which was released July 30, grew at a 1.5% annualized pace, as rising imports offset otherwise steady consumer spending. Retail activity held up through June even as shoppers grew more price-sensitive and confidence wavered. Consumer sentiment touched a five-month high in July, though renewed Middle East tensions and rising gasoline prices could make the improvement hard to sustain.

The labor market shows signs of a soft landing. June payroll gains, which were released July 2, came in well below expectations, and unemployment ticked up modestly, signs of a hiring slowdown rather than distress. However, jobless claims stayed low, showing no sign that layoffs are accelerating. Slower hiring and steady unemployment, alongside resilient consumer spending, paint a picture consistent with a soft landing, one where growth decelerates gradually rather than deteriorating quickly.

Inflation eased, yet Fed Chair Warsh isn’t declaring victory. June’s inflation report showed a decline broad enough to lift hopes policymakers could hold off on tightening, and traders quickly pared back bets on near-term hikes. Warsh offered little forward-looking guidance at the press conference after the Fed’s July 28-29 meeting, having moved away from the communication strategy of his predecessor. Underlying price pressure remains well above target, and that gap with market optimism is likely to keep driving the debate until officials say more.

Energy remains the wild card that could upend the inflation story. A rebound in oil prices tied to renewed fighting between the United States and Iran has reignited concerns that supply shocks could reverse recent progress. That has shifted the market conversation. Instead of debating whether the dovish Fed might start cutting rates, investors are now weighing whether it will be forced into a rate hike, a shift that shows how quickly sentiment turns when energy price volatility returns.

The Bottom Line

The economy is still expanding, and inflation has eased on some measures, but neither trend is decisive enough for the Fed to call the fight won. Moderating growth alongside price pressure that hasn’t fully retreated means policy uncertainty will likely persist into the fall.

The market looks healthier than it did earlier this year, with leadership broadening beyond a handful of tech heavyweights. But those stocks still carry outsized weight in driving index performance, and that concentration means sentiment can reverse quickly if they stumble.

For portfolios, the approach hasn’t changed. Staying diversified and favoring a long-term outlook can help navigate a market still leaning on a single growth theme, especially with inflation and the Fed’s next move still uncertain.

As always, if you have any questions, please don’t hesitate to reach out to me. I am here to be a resource for you.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

The post August 2026 Financial Market Update appeared first on Money Managers, Inc..

Last month, growth held firm, and the labor market held stable even as financial conditions quietly tightened beneath the surface. Equity indices were mixed, and inflation stayed unrelenting. The Federal Reserve became more hawkish under new Chair Kevin Warsh, shifting from its earlier tone.

Here’s how it played out across the major indexes and what drove the numbers.

Major U.S. Stock Indices 

U.S. stocks diverged in June after an upbeat quarter. Inside technology, the split was stark. AI-driven semiconductors kept surging, while several Magnificent 7 stocks lost steam after last year’s outsized gains.

• The S&P 500 fell 1.06%.
• The Nasdaq 100 slipped 0.19%.
• The Dow Jones Industrial Average rose 2.52%.

The Big Picture

Stronger Than It Looks. U.S. growth proved better than first reported. First-quarter Gross Domestic Product (GDP) was revised upward to 2.1% annualized, well above the initial estimate of 1.6%, pointing to stronger momentum heading into mid-year. Manufacturing activity expanded for a sixth straight month despite tariffs and war-driven costs, and consumers kept spending on non-energy goods even as fuel prices rose. This economy has more resilience than markets have been pricing in.

Cooling, Not Cracking. Hiring slowed sharply. Employers added just 57,000 jobs in June, well below expectations. Unemployment fell to a 14-month low of 4.2%, but only because roughly 720,000 people left the labor force, a sign of fading worker confidence rather than strength. ADP’s National Employer Report showed a similar slowdown, with businesses adding 98,000 private-sector jobs, though it did describe labor demand as improving. The market is mending, but not thriving.

The Energy Squeeze. May’s Consumer Price Index (CPI) came out on June 10th, and showed that CPI rose to 4.2% in May, the highest since 2023, as war-driven energy costs jumped nearly 24% year over year. Core inflation (which excludes food and energy) also crept higher, to 2.8%, showing pressures extend beyond energy. Oil offered relief late in the quarter, falling from around $95 to the mid-$70s in June after a U.S.-Iran ceasefire reopened the Strait of Hormuz, though May’s CPI release predates that drop.

A New Chair, A New Tone. Kevin Warsh’s first meeting as Fed Chair in June set the tone for markets. The Fed held rates at 3.50-3.75%, but dropped its easing bias and forward guidance, turning more hawkish. His statement ran just 130 words, a fraction of his predecessor’s. Projections showed inflation revised higher, unemployment lower, and rate forecasts for coming years shifted up, with nearly half of officials expecting another hike this year. Warsh skipped his own forecast, pushing to rely less on lagging data.

The Road Ahead

Put together, the current story is one of measured, if uneven, progress. Growth and employment are staying firm, inflation remains elevated but contained, and markets are digesting a powerful AI-driven rally.

Throughout July, eyes will turn to fresh inflation and jobs data, corporate earnings, and how the Fed moves at the July 28-29 meeting. The key questions are whether price pressures keep easing and whether profits can support current valuations. From there, it’s a matter of how shifting rate expectations feed through to stocks and bonds.

This remains a market that rewards close attention, and I’m watching it on your behalf. As always, if you have any questions about your portfolio or strategy, don’t hesitate to reach out. I am here to be a resource for you.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

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May 2026 Fiancial Market Update

Presented by Marc Aarons

U.S. markets reached record highs in April, driven by strong corporate earnings and enthusiasm around AI. Investors largely looked past elevated inflation, rising yields, and persistent tensions in the Middle East, marking a sharp reversal from a difficult first quarter.

However, beneath the surface, a more cautious story emerged. The broader economy is slowing, and inflation is proving stubborn. Core measures are easing, but higher energy costs are keeping overall readings above the Federal Reserve’s target, leaving policymakers on hold with no clear case to cut or tighten.

Below is a look at how the major indexes performed in April and the key drivers behind the moves.

Major U.S. Stock Indices

Mega-cap technology and semiconductors accounted for most of the index gains, as investors rewarded companies with clear AI monetization and accelerating profits. Few other sectors kept pace.

That narrowness has raised valuation risks, leaving markets more exposed to any setback in earnings, policy, or geopolitical developments heading into mid-2026.

Overall, in April:

• The S&P 500 climbed 10.42%.
• The Nasdaq 100 rallied 15.64%.
• The Dow Jones Industrial Average gained 7.14%.

Economic and Market Overview

The Macro Backdrop. The U.S. economy remained solid in April but continued to slow, with gross domestic product (GDP) growth tracking at 2% for Q1. Core personal consumption expenditures (PCE) continued to ease gradually, but rising oil prices pushed headline inflation above 3.5%, complicating the case for rate cuts. At its late-April meeting, the Fed held steady and signaled it wants more convincing progress on inflation before easing. Rates are unlikely to come down soon.

The Economy’s Complicated Dynamics. The labor market held steady, with the latest data showing that hiring topped expectations and unemployment changed little. Business investment is increasingly directed toward AI infrastructure and automation, supporting productivity but not widespread growth. Consumer sentiment fell to a record low as households remained focused on the inflation fallout from the Middle East conflict.

Energy, Inflation, and Rates. The tension between rising oil prices and markets’ hopes for rate cuts remained the dominant story in April. Brent crude spiked to $126 per barrel as the conflict between the U.S. and Iran continued to disrupt supply routes through the Strait of Hormuz, pushing headline inflation higher and reducing the likelihood of near-term easing. The 10-year Treasury yield rose above 4.40%, its highest level of the year, as investors reassessed both inflation risk and worries over the U.S. fiscal outlook.

U.S. Stocks and the AI Rally. U.S. equities had an exceptional month. The S&P 500 crossed 7,000 for the first time, finishing April at a record high of 7,209.01. Earnings primarily drove this gain: With only Nvidia’s results still to come, Q1 earnings for the Magnificent Seven are expected to grow 45.7% year-over-year on 24.6% higher revenues.

Commodities Rally. Commodities rose broadly, with energy up 7.7% and industrial metals gaining on strong demand linked to data center and AI infrastructure spending. The commodity rally also supported shares of energy and materials companies while putting upward pressure on inflation expectations and Treasury yields.

Keeping Perspective

April brought plenty of market-moving headlines, but the underlying fundamentals of long-term investing continue to hold up.

Know that I am staying focused on your long-term plan and keeping an eye on what’s driving the markets now. If you have questions about recent market shifts or simply want to talk through your strategy, do not hesitate to reach out. I am here to be a resource for you.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

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Financial Tips for New Graduates

Presented by Marc Aarons

I hope you’re doing well! If you or a student in your life has recently graduated, we want to extend our heartfelt congratulations. This is a monumental accomplishment.

For many, this achievement marks a first foray into managing finances independently. This can bring unexpected challenges to new grads as they juggle student debt, investing, and saving.

With that in mind, we wanted to share a few key areas that new grads can focus on to help find their financial footing:

1. Managing Debt: If you have student loans or other debt after graduation, you’re not alone. A good way to start managing your debt is to get everything out in the open. List your loans, credit cards, and any other balances so you know what you’re dealing with. While you do this, be sure to pay attention to interest rates and make a plan for how you’ll handle payments each month. When you’re organized, it’s easier to keep debt from getting out of control. 
2. Budgeting: Think of a budget as a way to keep your money working for you. Begin with your take-home pay, which is your pay after tax and any deductions, and make sure your essentials are covered; then you can see what’s left for everything else. This can look like putting money into “envelopes” or savings categories, or simply tracking the numbers in a spreadsheet. Tracking your spending, even just for a month, can be eye-opening and help you fully understand where your money is going.
3. Saving: Savings give you a safety net. Life after graduation comes with surprises, and having even a small cushion makes moments like car breakdowns or surprise medical expenses easier to handle. Start by trying to save up an emergency fund that can cover several months’ worth of expenses, then branch out and start saving for other wants or needs in your life. Starting with small, consistent savings is the best way to go. The habit matters more than the amount at first.
4. Investing: You don’t need a lot of money to get started with investing. The most important thing is to start early. Starting with small contributions to your own investment accounts or employer-sponsored accounts like 401(k)s can give your money more chances to grow.

If a loved one has recently graduated and has questions about investing or other money management strategies, don’t hesitate to reach out. I’m here to help guide you.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

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U.S. stocks rallied broadly last week. Solid early earnings reports and signs of easing tensions in the Middle East gave investors plenty to feel good about, and even a bump in March inflation wasn’t enough to dampen markets. Bond yields stayed relatively steady, and the Federal Reserve still looks unlikely to cut rates anytime soon.

However, tensions reignited over the weekend in the Strait of Hormuz, serving as a reminder that easing tensions in the region are not always guaranteed.

Here’s where the major indexes landed and what to keep an eye on this week.

Stock Index Performance

• The S&P 500 advanced 4.54%.
• The Nasdaq 100 surged 6.20%.
• The Dow Jones Industrial Average climbed 3.19%.

Behind the Numbers

Geopolitics brought a sigh of relief, but not for long. After weeks of disruption to oil shipments through the Strait of Hormuz, ceasefire hopes and stabilizing shipping conditions helped fuel a broad stock rally, while oil prices pulled back as investors grew more confident that supply disruptions would prove temporary. However, at the end of the weekend, tensions flared again in the Strait of Hormuz, underscoring that the conflict’s end remains a question mark.

The inflation headline looked scary. The details reveal a lighter picture. March inflation jumped to 3.3%, but nearly three-quarters of that spike came from gasoline prices alone. Strip out energy and food, and underlying inflation rose just 0.2%, modest and well-behaved. That distinction is why the Federal Reserve feels comfortable staying on hold, and why markets were largely able to shrug off the numbers and keep climbing.

Companies are delivering on earnings. First-quarter earnings came out over the week and showed growth of 13.2% year-over-year, the sixth straight quarter of double-digit profit growth, with companies beating estimates by nearly 11%. The strongest results have come from Technology, Financials, and Materials, while Energy and Health Care have been more mixed. With the major indexes above their long-run averages, the market could be leaving little room for disappointment.

The Week Ahead

The central question heading into this week is whether conditions in the Strait of Hormuz continue to stabilize or deteriorate. A durable ceasefire would likely push oil prices lower and ease inflation concerns, giving the Federal Reserve more room to stay on hold. However, a continuation of renewed disruption could reignite energy prices and pressure central banks to keep rates elevated.

The other thing to watch in the coming week is whether strong earnings and economic data can continue to justify stock valuations. With the S&P 500 trading at a forward price-to-earnings ratio of nearly 21, above both its five-year and ten-year averages, the market is pricing in a lot of good news. More Q1 results are due this week, and with companies currently beating estimates by a double-digit margin, the earnings bar has been raised.

As always, know that I’m keeping a close eye on the markets and am here to help you navigate whatever comes next. If you have questions about your portfolio or simply want to talk through what’s happening, don’t hesitate to reach out.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

The post Financial Market Update – Week of 4/20/26 appeared first on Money Managers, Inc..

Financial Literacy Month – April – Help Employees Understand Their 401(K)

By Marc Aarons

April is Financial Literacy Month, a perfect time to help employees better understand their 401(k) benefits. With that in mind, I am sharing several key terms that all employees should know. Please feel free to share this more broadly with your team and reach out with any questions or needs.

1. 401(k) Plan

Let’s start with the very basics. A 401(k) plan is an employer-sponsored retirement plan that allows employees to contribute a portion of their wages to individual retirement accounts. Contributions are typically made on a pre-tax or Roth (after-tax) basis, depending on the plan design, and invested for long-term growth.

For employees, understanding what a 401(k) is and how it fits into overall retirement planning is the foundation of financial literacy.

2. Plan Participant

A plan participant is an employee who meets eligibility requirements and has enrolled in the employer’s retirement plan. Eligibility is defined by the plan document and may include age and service-hour requirements.

Employees often assume participation is automatic. In fact, a study found that 59% of employees surveyed who were not participating in their 401(k) plan believed they were. This misconception can lead to missed savings opportunities if enrollment steps are not completed.

3. Pre-Tax Contributions

Traditional 401(k) plans have pre-tax contributions, which are deducted from an employee’s pay before federal income taxes are applied. These contributions reduce current taxable income, but withdrawals in retirement are generally taxed as ordinary income.

Understanding pre-tax contributions helps employees evaluate the immediate tax benefits of participating in their 401(k) — as well as potential tax impacts after retiring.

4. Roth Contributions

Roth 401(k) contributions are made after taxes are withheld. While there is no upfront tax deduction, qualified withdrawals in retirement, including earnings, are generally tax-free.

This option can be especially valuable for younger employees or those who expect to be in a higher tax bracket later in life.

5. Employer Match

An employer match is a contribution made by the employer based on employee deferrals, often expressed as a percentage of employee contributions up to a certain limit.

Many employees leave money on the table simply by not contributing enough to receive the full match. Educating employees on how the match works can significantly improve participation and retirement outcomes.

6. Vesting

Vesting refers to an employee’s ownership of employer contributions over time. While employee contributions are always fully vested, employer matching or profit-sharing contributions may vest according to a schedule.

Employees who understand vesting rules are better equipped to make informed decisions about job changes and retirement savings continuity.

7. Contribution Limit

The contribution limit is the maximum amount an employee is allowed to contribute to their 401(k) each year, as set by the IRS. Clear communication around contribution limits helps employees plan contributions effectively and avoid excess deferrals.

8. Catch-Up Contributions

Catch-up contributions allow eligible employees aged 50 and older to contribute more than the standard annual limit. This provision is designed to help workers accelerate retirement savings later in their careers.

This term is particularly relevant for employees nearing retirement or coordinating savings alongside Medicare and Social Security planning.

9. Beneficiary

A beneficiary is the individual or entity designated to receive a participant’s 401(k) funds in the account in the event of the participant’s death. Beneficiary designations typically override wills or estate plans.

Explaining what these designations do and encouraging employees to review and update beneficiaries are critical steps for employers.

10. Required Minimum Distributions (RMDs)

RMDs are mandatory withdrawals that must begin at a certain age, as defined by IRS rules. Failure to take RMDs can result in significant tax penalties.

When employees understand their 401(k), they’re more likely to participate consistently, take full advantage of matching contributions, and make informed decisions that reduce confusion and administrative questions.

If you’d like to discuss your 401(k) plan or retirement education, don’t hesitate to respond to this email or give the office a call. I’d be happy to connect.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

The post Financial Literacy Month – April – Help Employees Understand Their 401(k) appeared first on Money Managers, Inc..

March 2026 Financial Market Update

Presented by Marc Aarons

Last month gave investors plenty to weigh. Job growth held firm, and corporate earnings delivered again, particularly among AI-driven companies. But inflation ticked back up, reminding us that the Federal Reserve’s job isn’t finished. The result was stocks remaining near record highs, yet with more day-to-day volatility.

It remains true that strategic investing isn’t just about timing the market; it’s also about understanding the environment. I’m here to help you make sense of the noise so you can feel confident and informed, no matter the landscape.

Below is a look at how markets performed in February, the dynamics behind the numbers, and where we are focusing our attention.

Major U.S. Stock Indices

February was a stress test for U.S. markets, with each major index responding differently to the same mix of solid growth, sticky inflation, and shifting sentiment around AI. Tech stocks, particularly software names, bore the brunt of the struggle, while the S&P 500 moved sideways and the Dow held up comparatively well.

What drove that divergence was a quiet but meaningful shift in investor priorities. Capital migrated from mega-cap tech and toward industrials, materials, and consumer staples.

• The S&P 500 retreated 0.87%.
• The Nasdaq 100 led the decline at 2.32%.
• The Dow Jones Industrial Average finished up at 0.17%.

Behind the Headlines

The Economy: Growth Holds, Inflation Lingers. The U.S. economy started 2026 on a solid footing. January numbers, released in February, showed that the economy added 130,000 jobs, well above expectations, and the unemployment rate dipped to 4.3%.

The problem is inflation. Consumer prices, producer prices, and the most recent data for the Fed’s preferred Personal Consumption Expenditures (PCE) showed the measure moved in the wrong direction, with core PCE climbing to 3.0%. Growth is holding up, but so is inflation.

The Federal Reserve: In No Rush. With inflation picking back up and the economy still resilient, officials see no urgency to cut. For the March Fed meetings, markets are pricing a near-zero chance of an additional rate cut. Instead, markets now expect one to two modest rate cuts later in 2026, but only if inflation clearly resumes its downward trend. For now, the Fed is likely standing pat.

Stocks: Strong Earnings, More Selective Market. The S&P 500 remains near record highs, supported by impressive earnings. Q4 2025 marked the fifth straight quarter of double-digit profit growth, and 2026 estimates call for roughly 14% more. But the market has grown more selective. Energy, materials, and industrials are leading, while AI giants like Nvidia beat expectations but saw volatile, uneven trading. The message is clear: strong earnings alone are no longer enough; sector positioning increasingly determines who wins.

Interest Rates: A Tale of Two Yields. February brought an unusual dynamic in the bond market. Short-term yields edged higher as the Fed held firm, while longer-term yields actually fell, with the 10-year Treasury settling below 4%. This divergence reflects investor caution and demand for safety. The upside: short-term bonds and money markets can continue to offer attractive income for patient investors.

Foreign Policy: US and Israel Strike Iran. On February 28th, the United States and Israel jointly struck Iran, with Iran responding militarily, resulting in the effective closure of the Strait of Hormuz. This action had ripple effects across the global economy, with oil prices rising and stocks falling as the conflict escalated across the region. While the long-term impacts of this action are yet to be seen, investors can expect some additional volatility as the conflict continues to unfold.

Putting It All Together

February was a reminder that even solid fundamentals can coexist with volatility. Growth and earnings remain resilient, but sticky inflation has the Fed in a holding pattern, and markets have grown more selective as a result.

The end of the month presented real geopolitical instability, with potential implications for markets. As always, I’m keeping an eye on the market and am here to keep you informed about the current financial climate. If you have any questions about your portfolio or would like to talk through these shifts, don’t hesitate to reach out.

Please don’t hesitate to reach out with any questions or concerns.

Marc Aarons may be reached at 714-887-8000 or Email Marc

Money Managers inc. Website

Investment advisory and financial planning services are provided by Money Managers, Inc. a registered investment advisor.  Money Managers, Inc., is registered in the required states with the state regulatory authority. Our CRD Number is 151602.  To access our most recent version of our Form ADV, Form ADV Part 2A and privacy policy, visit https://adviserinfo.sec.gov/. This information is for educational purposes only.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

The post March 2026 Financial Market Update appeared first on Money Managers, Inc..