Michael Esposito, CLU

12/22/2025

11/26/2025

As Thanksgiving approaches, it's a wonderful opportunity to reflect on all the good things in our lives and to cherish the family and friends who make our days brighter. With excitement for the year ahead, let's embrace a holiday season filled with the joys of love, connection, and togetherness. Wishing you a delightful Thanksgiving and a fantastic holiday season!

11/20/2025

Read the latest issue of Financial Watch here:

Did you know that nearly 7 in 10 U.S. households are now living paycheck to paycheck? Rising prices and a cooling job market are big factors, but there’s another culprit that often flies under the radar: lifestyle creep. It’s something that can impact anyone, no matter their income. Read this mo...

11/17/2025

Mixed equity moves and AI scrutiny fade behind one question: Will the Fed cut rates again? This Wednesday’s FOMC minutes could offer clues. With only a 45% chance of a December cut, investors are watching how the Fed weighs inflation risks against labor market weakness. On this week’s , CIO Gene Goldman breaks down what to expect from Friday’s inflation reading—and why it could strengthen the case for rate cuts.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

11/14/2025

The government is back open—but uncertainty isn’t gone. Markets pulled back as investors face a data vacuum and unclear Fed policy. Volatility may stick around, but it can also create opportunity for long-term investors. Read now: https://cetera.com/market-insights/government-reopens-data-vacuum-persists?utm_source=nfaaol

11/11/2025

Read the latest issue of Retire Wise here:

2025 is coming to a close, and as we head into the final stretch, it’s the perfect time to make sure your year-end planning is on track. From “super catch-up” contributions for those nearing retirement to new updates under the One Big Beautiful Bill Act (OBBBA), there are some great opportunit...

11/10/2025

Markets pulled back last week amid AI scrutiny, layoff concerns, and macro uncertainty. But is this just noise — or a real shift? Join CIO Gene Goldman, CFA on this week’s episode of as he breaks down why equities could stay under pressure and how any pullback is still a buying opportunity.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

11/04/2025

This Monthly Recap summarizes market performance, major events and news from October 2025. Read more here:

The S&P 500 posted solid gains in October, ending within 1% of a new record high set three trading days before month end. Reaffirming optimism in AI, strong earnings and reduced interest rates lifted equities to their sixth straight monthly gain while bonds clinched their third consecutive winning m...

11/03/2025

With government reports on hold, this week’s ISM Manufacturing and Services indices are critical for gauging economic health and inflation trends. On this episode of , CIO Gene Goldman explains what to watch and why these indicators matter now more than ever.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

06/17/2022

He's a giant among men...Happy Father's Day to all the great ones!

06/08/2022

Take the hassle out of your next vacation with these travel apps that can help you plan, maximize your trip, AND save money along the way! We’ve got our favorites, what are yours?

Discover the best travel apps. From trip planning to transport, food to fun things to do, these are the holiday apps you'll actually use & want to keep.