Travis Zimmerman - The Fitzpatrick Group

03/12/2025

With recent market volatility theres been a lot of people talking about their 401(k) balances.

I’m not a fan of the 401(k) or any other pre-tax accounts for a couple reasons - fees and taxes.

Question: Let’s say you have $2 million in your 401(k) when you retire. How much of that is yours to spend?

Answer: about $1.2 million.

Don’t let the big balance number (or “bait”, as I like to call it) distract you. Fees and taxes are eroding your spendable dollars.

I can help you reduce or even eliminate this problem. My inbox is open. Let’s talk!

01/27/2025

Check out the latest commentary from which discusses the stock market sell-off caused by questions abound high valuations in tech stocks. Click here to read more:

In this commentary we discuss today’s stock market sell-off which was caused by questions around high valuations in tech stocks. These stocks account for a significant portion of many indices. Diversification is prudent.

01/27/2025

The isn’t likely to cut rates during its meeting this week – but CIO Gene Goldman, CFA, believes Fed Chair Jerome Powell’s press conference will be a key story in a potentially busy week for market news. Join him on this week’s episode of as he explains what to expect.

“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...

01/21/2025

President Donald Trump was sworn in for his second term yesterday. Join Gene Goldman, CFA, on this week’s episode of as he explains what he expects to hear from President Trump during his first week in office.

“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...

01/16/2025

Read the latest issue of Financial Watch here: https://bit.ly/financialwatch-jan25

01/14/2025

Read the latest issue of Retire Wise here: https://bit.ly/retirewise2-jan25

01/13/2025

Join Gene Goldman, CFA, on this week’s episode of as he explains why markets are worried about the Fed pause narrative and why this week’s inflation reports are so important to market direction.

“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...

01/06/2025

The holidays are over, and this week will be a busy one for economic data. Join Gene Goldman, CFA, on this week’s episode of as he explains why he’ll be primarily focused on Wednesday’s meeting minutes.

“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...

01/03/2025

This Quarterly Recap summarizes market performance, major events and news from Q4 2024. Read more here:

The fourth quarter gave investors much to ponder with a presidential election and Fed rate cuts along with stronger than expected economic growth and corporate earnings.

12/30/2024

As 2024 winds down, expect another quiet week for economic data releases. Join CIO Gene Goldman, CFA, on this week’s episode of as he focuses on the one report to watch – Friday’s ISM manufacturing report.

“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...

12/23/2024

As we head into a quiet holiday week for the markets, CIO Gene Goldman, CFA, shares three primary themes for 2025 in this week’s episode of .

“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...