Cornerstone Christian Wealth Management

Should one invest in such a volatile market? Market volatility can be unsettling, especially after two years of stocks marching steadily higher. In a way, enduring the ups and downs is a price of admission to achieve attractive returns the stock market offers over time. Volatility is normal. The hard part is understanding that in the moment and controlling emotions. #financialmanagement #investmenttips

Developing better spending habits is key to financial health. Here are a few tips to help along the way! If you'd like some help prioritizing and strategizing your financial plan, schedule a free consultation today with the link: https://lnkd.in/gJ6aAdT8 Or call us at 909-406-1144

LPL Research provides its Weekly Market Performance for the week of March 10, 2025.?The selloff in U.S. stocks continued this week as markets were unable to find relief from trade and policy uncertainty that has dragged major averages lower. International stocks closed the week mixed, with tariff concerns offsetting positive local developments in both Europe and Asia. Treasury yields ended little changed, while gold surged back toward record highs and oil prices ended the week about where they started https://lnkd.in/gYDnQaZy

Sometimes you need a “sounding board” for your ideas and concerns. When you have financial questions or ideas, you need someone to listen. A professional can listen and help provide insight about possible financial moves you could make—plus give you guidance regarding your options. Every retirement saver needs to measure financial progress. Checking in with your financial professional every so often helps you determine how things are going and what parts of the retirement planning strategy may need fine-tuning. Your retirement planning and investing approach will, undoubtedly, need some adjustment over time. Objectives and priorities can change. Financial goals that were once top of mind may seem less important as you grow older, and those goals may give way to new ones. We can assist you to refocus your long-run investing and retirement planning approach in response. What is on your mind right now? Perhaps you are thinking about retirement savings or retirement income. Maybe your investments or your tax situation are prompting questions. Share your concerns, thoughts, or ideas with us. We invite you to call or email and schedule a chat where we can review these matters and consider possible financial responses. We look forward to it. ?Schedule a free consultation today with the link: https://lnkd.in/gJ6aAdT8 Or call us at 909-406-1144

6 Basics of Budgeting #1 Start with your Goals Write them Down ? “Have a $1,000 emergency fund by April 1st.” ? “Pay off $5,000 credit card debt in 18 months.” #2 Know your income ? Net pay, not gross pay! ?#3. Total your monthly expenses ? Don’t forget occasional expenses like doctor visits and car insurance ? Look through bank and credit card statements ?#4. Create a realistic budget ? Make sure you have enough cash to pay off credit cards each month ? Example: Monthly income $3,000 Monthly living expenses -$2,100 Monthly financial goals -$750 Total left over $150 ?#5. Revisit your goals and expenses ? Prioritize ? Change amount of time or money needed to meet goals ? Find a way to increase your income #6. Stay Connected ? Schedule a free consultation today with the link: https://lnkd.in/gJ6aAdT8 ? Or call us at 909-406-1144

Stocks fall as new tariffs take affect. We can help you navigate these uncertain financial times. Schedule a free consultation today with the link: https://lnkd.in/gJ6aAdT8 Or call us at 909-406-1144 https://lnkd.in/gNk3fHyM

Grow Scare Key Takeaways: - Yesterday, Treasury yields declined as investors got nervous about growth, with the 10-year yield temporarily dipping below 4.30%.? Consumer confidence fell in February, creating the catalyst for a decline in yields.? - Recent signs of a downshift in growth led markets to price in two cuts by the Federal Reserve (Fed) in the latter half of this year.? - On the plus side, improving loan demand suggests more capital expenditures. https://lnkd.in/gVb2mmf6

"The LPL Strategic and Tactical Asset Allocation Committee (STAAC) favors core bonds over high-yield credit. Yields for high-yield bonds are hovering around historical averages, with spreads remaining near record lows. Overall, the environment continues to support credit risk. While economic growth is slowing, it's not collapsing, which typically benefits credit. However, credit remains expensive. In our view, valuations for riskier fixed income sectors are still rich compared to core sectors. Despite limited potential for price appreciation, income levels remain attractive as long as inflationary pressures persist." https://lnkd.in/gCeG8eCj

According to LPL research, "A repeat of Trump 1.0 trade dynamics could bring heightened volatility to credit markets, which enter this period with significantly tighter spreads. During the 2018–2019 trade tensions, IG spreads widened 75 basis points from February 2018 cycle tights, while HY spreads expanded 225 basis points in just two months. While markets recovered in early 2019, volatility remained elevated throughout the year. Unlike 2019, when the Fed supported credit markets with rate cuts amid trade tensions, similar policy support appears unlikely given today's elevated inflation environment." https://lnkd.in/gFej69ec