Redwood Advisory Group

12/05/2025

Markets ended November on a five-day winning streak, softening earlier losses driven by concerns over tech valuations, consumer sentiment, and rate uncertainty. While the Nasdaq slipped 1.51 percent, the S&P 500 held steady and the Dow inched up 0.32 percent. All eyes now turn to the Fed's final meeting of the year on December 9–10.

11/07/2025

October marked the sixth straight month of gains for U.S. markets, with the Nasdaq gaining 4.70% and the S&P 500 climbing 2.27%, powered by strong Q3 corporate earnings that overcame government shutdown concerns and trade tensions. The Fed delivered a quarter-point rate cut on October 29, though Chair Powell signaled a December adjustment wasn't a "foregone conclusion." As families prepare for Thanksgiving, last year's feast for 10 averaged \$58.08, with the turkey alone representing 43% of the total cost at \$25.67.

Stocks advanced for the sixth consecutive month in October as major averages pushed through a government shutdown and trade jitters. Robust Q3 corporate results drove momentum over a month that is notorious for market declines.

10/27/2025

Be Careful of Harmful Headlines — Do You Remember This One?

📉 “Forecast for U.S. Recession Within Year Hits 100% in Blow to Biden”
📆 — Bloomberg, October 17, 2022

I’ve been a financial advisor for 25 years, and this one still sticks with me. That headline was blasted across media outlets at a time when:
🔹Stocks were falling
🔹Interest rates were climbing rapidly
🔹Inflation had hit 40-year highs
🔹The Fed was aggressively hiking rates

Investors were scared. Many pulled money out. Some delayed investing. Others braced for a looming recession.

But here’s what actually happened...

🔁 Fast forward to today (as of October 20, 2025)
📈 The S&P 500 is up 83%
🚀 The NASDAQ is up 115%
💥 Nvidia (NVDA), the AI darling, is up 1,444% — a $10k investment would now be worth over $153,000

Oh, and on November 30, 2022, ChatGPT was launched… and AI changed everything.

Meanwhile, the U.S. never entered a recession.

In fact, since that headline, GDP has grown by more than 10%, and is now expanding at an annual rate over 3% (as of June 30, 2025).

The Lesson?
👉 Don’t invest based on headlines.
👉 Don’t make decisions based on fear.
👉 Don’t underestimate the power of innovation.

Have a plan. Stick to the plan. Revisit the plan. And maybe — just maybe — tune out the noise.

The future doesn’t arrive in a straight line… but progress finds a way. 📊

10/23/2025

Are You Making These 5 Big Investing Mistakes? 📉⏳

It’s been another impressive year for markets — despite rate cuts, political noise, and headline volatility. Yet after a three-year bull run and a sharp pullback earlier this year, many investors are second-guessing their next move.

Here’s the reality 👉 The biggest risks right now aren’t in the markets — they’re in investor behavior.

Here are 5 common mistakes I’m seeing as we head into year-end — and how to avoid them:

1️⃣ Sitting on the sidelines waiting for certainty
The markets are never “calm” — not in 2022, not now, not ever. Waiting for the perfect moment often means missing the compounding that happens while you wait.

2️⃣ Expecting the next crash at any moment
Yes, we will have another correction someday. But fear of the next downturn can blind you to the opportunity right in front of you.

3️⃣ Waiting for stocks to get “cheaper”
High valuations don’t automatically equal doom. Rebalancing beats trying to time an entry perfectly. International and small-cap areas may offer more attractive opportunities.

4️⃣ Parking too much in CDs and cash
Cash and short-term yields feel “comfortable” — but comfort doesn’t build long-term wealth. After inflation, that safety can quietly erode your future buying power.

5️⃣ Chasing perfection instead of progress
The “perfect” strategy doesn’t exist. A disciplined, goal-based plan beats waiting for a flawless scenario every time.

The final 10 weeks of the year are a great time to review, rebalance, and realign.

Not to time the market — but to ensure your money is working toward what matters to you most.

Because successful investing isn’t about prediction — it’s about preparation.

👇 Which of these mistakes do you see most often among investors? Let me know in the comments.

10/07/2025

U.S. markets surged in Q3, with the S&P 500 up nearly 8% and the Nasdaq leading with double-digit gains. Strong corporate results, resilient consumer spending, and a long-anticipated Fed rate cut all fueled momentum. Globally, the MSCI EAFE Index rose over 4%, with China, Korea, and Japan posting standout performances. European markets were mostly positive, though Germany lagged.

Stocks powered ahead in the third quarter as solid economic data, strong corporate results, and a positive shift in Fed policy drove market momentum.

09/05/2025

August ended strongly for U.S. markets, with the S&P 500 closing above 6,500 for the first time. A mix of slowing job growth and cooling inflation put the Fed’s next move in the spotlight as investors look ahead to the September meeting. And with football season kicking off, fans and advertisers are spending big to be part of the action.

The Standard & Poor’s 500 Index advanced 1.91 percent, while the Nasdaq Composite rose 1.58 percent. The Dow Jones Industrial Average led, picking up 3.20 percent.1

08/07/2025

July delivered big wins for U.S. markets as trade agreements and stellar Q2 earnings pushed the Nasdaq above 21,000 for the first time. While the Fed held rates steady, consumer spending powered the economy to 3% growth. Back-to-school season is here - families are expected to spend nearly \$39 billion getting kids ready for the new academic year.

Stocks rode the wave of trade developments and Q2 corporate results to advance last month, pushing market averages to multiple record highs.

08/06/2025

A tax-efficient retirement strategy can help you keep more of your hard-earned money and stretch your savings further. It’s not about avoiding taxes, it’s about being strategic about when, how, and from where you withdraw your income.

08/04/2025

Are We Still in the Early Innings of AI? 🤖📈

Big Takeaways From Big Tech Earnings

Last week was a massive one for tech—and the Q2 earnings results from the biggest names in were clear: AI is no longer hype. It's happening now!

🔍 All five tech giants—Alphabet, Amazon, Apple, Meta, and Microsoft—beat Wall Street’s earnings and revenue expectations.

On average, they beat EPS estimates by 14% and sales by 4%. That’s no small feat given how much capital they’re spending to keep up in the AI race.

Here are a few highlights👇

✅ Meta was the standout—revenue up 22%, EPS up 38%, and a strong showing in its core ad business. The market rewarded the results with an 11.3% stock jump post-earnings.

✅ Apple turned in its best quarter in over three years, with iPhone sales up 13% and strong growth in high-margin services. But CEO Tim Cook gave a cautionary reminder about possible tariffs ahead—one reason the stock slipped post-earnings.

✅ Amazon also beat expectations but issued soft profitability guidance for Q3, sending a mixed message to investors.

💰 The Common Thread? Big AI Capex

From cloud buildouts to custom AI infrastructure, tech giants are spending heavily to lead the next era of computing:
🔹 Microsoft is planning over $30B in capex this quarter alone
🔹 Amazon could hit $115B in capex for the year
🔹 Meta is investing aggressively—despite not offering a cloud platform
🔹 Alphabet raised its 2025 capex guidance
🔹 Even Apple, typically more conservative, saw capex rise 61% year-over-year

👉 AI is reshaping how these companies operate, and they’re betting big on its future. We're still early—and the foundational infrastructure is being built right now.

Are you thinking about how AI might impact your long-term investment strategy? Let’s talk.

07/16/2025

The One Big Beautiful Bill Act: Key Tax Changes Starting 2025

👍EVERYONE 👍
Standard deduction increases to $15,750 for single filers, and $31,500 for those filing jointly.
State and local tax (SALT) deduction increases to $40,000 (temporary)

👥 SENIORS (65+) 👥
$6,000 bonus deduction (2025-2028)

👨‍💼 WORKERS 👨‍💼
No tax on tips (up to $25,000)
No tax on overtime (up to $12,500 single filer/$25,000 married filing jointly)

🏢 BUSINESS OWNERS 🏢
20 percent qualified business income deduction is now permanent
100 percent capital expensing restored

👨‍👩‍👧‍👦 FAMILIES 👨‍👩‍👧‍👦
Child tax credit increases to $2,200
Dependent care limits increase to $7,500

🏡 ESTATE MANAGEMENT 🏡
Exemption increases to $15 million/$30 million (starts 2026)

IMPORTANT: Some of these changes are temporary (2025-2028). Consult a tax professional for your specific situation.