Holland Financial, Inc.

PlanStrongerTV??Market Update: November 20, 2024 - Housing With the election now in the rearview mirror,?David Dean Holland, CPA, CFP?, Chief Executive Officer of?Holland Financial, and Chief Investment Officer,?Robert Mara, CAIA, JD, give us a quick overview of current economic conditions and the latest market results, before taking a deep dive into Housing, on?today's?PlanStrongerTV??Market Update. Now that the Federal Reserve is in an easing cycle and reducing the Fed funds rate, mortgage rates should be coming down and the housing market strengthening, correct? Not necessarily, says Robert. Watch?today's update to learn what is really happening with Treasury Rates, mortgage rates, and the housing market! Watch the Market Update Here! https://lnkd.in/ezJZE7_b #PlanStronger #Housing #MortgageRates #InterestRates

PlanStrongerTV??Market Update: November 6, 2024 - Post-Election Roundup On?today's?PlanStrongerTV??Market Update,?David Dean Holland, CPA, CFP?, Chief Executive Officer of?Holland Financial, and Chief Investment Officer,?Robert Mara, CAIA, JD, give us a recap of economic and market activity in the hours since?yesterday's presidential election. David and Robert address key questions, including: How are futures markets reacting? What about Stocks? Bonds? Interest Rates? How is the strength of the US dollar being affected, and how does that relate to precious metals? And the big question: How should investors position themselves in light of the election results? Watch the Market Update to Learn More! https://lnkd.in/ezJZE7_b #marketupdate #volatility #planstronger

PlanStrongerTV??Market Update: October 16, 2024 - Interest Rates In the aftermath of Hurricane Milton, Florida continues to experience sporadic service outages of power, internet, and phone services, which have affected timely delivery of emails and online information. So,?David Dean Holland, CPA, CFP?, Chief Executive Officer of?Holland Financial, and Chief Investment Officer,?Robert Mara, CAIA, JD, are back with the?PlanStrongerTV??Market Update, but without the latest numbers from the equities and bond markets. In?today's report, David and Robert focus on interest rates. They explore whether more interest rate cuts are on the horizon, and, if so, how much the Federal Reserve might reduce rates. They also discuss the potential effects of additional rate reductions?—or the lack thereof—?on the labor market, stock markets, inflation, and the overall economy. Additionally, David Holland offers suggestions for investors who may want to reassess their portfolios in anticipation of potential impacts. Watch the Market Update to Learn More! https://lnkd.in/ezJZE7_b #interestrates #PlanStronger #inflation

PlanStronger? Quarterly Market Update Period Ending?September 30, 2024 Market and Economic Commentary Both equity and bond investors experienced healthy returns during the past quarter (July through September – see below sections).?The big story across the economy has shifted from inflation to the health of the labor market.?As inflation (slowly) approaches the Federal Reserve’s 2% annual inflation target, Mr. Jerome Powell and other members of the Federal Open Market Committee have shifted their attention from the first of two directives mandated by Congress – Price Stability (inflation) – to full employment (the labor market).?This shift gave the Federal Reserve (the “Fed”) cover to begin its rate-cutting cycle on?September 18th.?And cut they did.?Not by only 0.25%, which is usually the incremental amount used for raising or cutting rates, but by 0.50%.?Based on the latest jobs numbers, the markets both wanted and expected such a cut, and stocks and bonds rallied both before and after the decision.?During the first full week of September, the ADP Employment Change disappointed with the addition of only 99,000 jobs, while expectations were for 150,000.?A couple of days later, the Nonfarm Payrolls likewise came in lower than anticipated.?Moving into the last quarter of 2024, and right into another earnings season, we shall eagerly await corporate feedback to see if the resilient American consumer is still going strong, or if their purchasing power is waning.??Continue Reading Here: https://lnkd.in/eDcHKqM5 ??David Dean Holland Holland Financial #planstronger #marketupdate???????

PlanStrongerTV? Market Update: October 2, 2024: Domestic Strikes and Foreign Military Strikes On?today's?PlanStrongerTV??Market Update,?David Dean Holland, CPA, CFP?, Chief Executive Officer of?Holland Financial, and Chief Investment Officer,?Robert Mara, CAIA, JD, provide a quick update on year-to-date market results, and they overview the potential economic impact of the recent devastating hurricane in the southeastern United States. David and Robert also discuss the International Longshoreman's Association (ILA) strike. These workers keep essential goods flowing in our economy, and they are protesting that their "real wages" have declined over the past few years as inflation has increased their cost of living. The impact of the strike on consumers and investors will largely depend on how long it goes on. Additionally, they examine recent events involving Israel and Iran, which have heightened tensions in the Middle East. Oil prices are up, but is this really a cause for concern with investors? Watch the Market Update to Learn More! https://lnkd.in/ezJZE7_b

PlanStrongerTV??Market Update: October 2, 2024 - Domestic Strikes and Foreign Military Strikes On?today's?PlanStrongerTV??Market Update,?David Dean Holland, CPA, CFP?, Chief Executive Officer of?Holland Financial, Inc., and Chief Investment Officer,?Robert Mara, CAIA, JD, provide a quick update on year-to-date market results, and they overview the potential economic impact of the recent devastating hurricane in the southeastern United States. David and Robert also discuss the International Longshoreman's Association (ILA) strike. These workers keep essential goods flowing in our economy, and they are protesting that their "real wages" have declined over the past few years as inflation has increased their cost of living. The impact of the strike on consumers and investors will largely depend on how long it goes on. Additionally, they examine recent events involving Israel and Iran, which have heightened tensions in the Middle East. Oil prices are up, but is this really a cause for concern with investors? Watch the Market Update to Learn More! https://lnkd.in/ezJZE7_b #marketupdate #planstronger #oil #inflation

PlanStrongerTV??Market Update: September 25, 2024 - Consumer Confidence - Lowest in Three Years David Dean Holland, CPA, CFP?, Chief Executive Officer of?Holland Financial, and Chief Investment Officer,?Robert Mara, CAIA, JD, start today's?PlanStrongerTV??Market Update?with a brief recap of the latest market results. Despite rising equity prices in U.S. markets, Consumer Confidence for September missed expectations, marking the steepest decline in three years. David and Robert discuss the economic conditions and other factors contributing to this decline in confidence. They point out that Chinese equities are also performing well and explain why these prices have surged recently. This serves as a good reminder of the importance of staying diversified in your investments! Watch the Market Update to learn more! https://lnkd.in/ezJZE7_b #consumerconfidence #planstronger #chinesemarkets

PlanStrongerTV??Special Report: September 16, 2024 The Effect of the Second Assassination Attempt on the Stock Market In?the latest PlanStrongerTV? Market Update, David Dean Holland, CPA, CFP?, CEO of Holland Financial, and Chief Investment Officer Robert Mara, CAIA, JD, assess the potential effects of the recent assassination attempt on former President Donald Trump on the stock market. David outlines multiple scenarios that could unfold leading up to the next election, detailing the possible market outcomes of each scenario. He explores how these events might influence market dynamics and investor behavior in the short and long term. Robert outlines how these scenarios could affect businesses and investors and the importance of strategic risk management during such periods of uncertainty. The discussion also covers the broader implications for investment strategies amidst the evolving political landscape. For a comprehensive analysis of how these developments might impact your investments, be sure to watch the Market Update! https://lnkd.in/ezJZE7_b

PlanStronger? Monthly Market Update: August 2024 Market and Economic Commentary Inflation continues to moderate, but more cracks appeared across the labor market.?The weak jobs report at the beginning of August forced the Federal Reserve to more equally weigh both of its mandates – price stability and full employment.?The American consumer steadily defies expectations, with Gross Domestic Product (GDP) for the second quarter being revised upward from 2.8% to a full 3.0%.?The University of Michigan’s Final Reading on Consumer Sentiment for August, along with Consumer Confidence, New and Existing Home Sales, and Durable Orders all exceeded analyst expectations.?All this data, along with more direct hints from Jerome Powell and his Federal Reserve that rate cuts will be forthcoming in September, boosted both equity and bond markets (more on those below).?Not all data spilling forth in August was milk and honey.?Leading economic indicators slid 0.6%, double what was anticipated.?Home prices are rising at a robust pace, placing the goal of owning a home out of reach for more Americans.?Finally, Pending Home Sales plummeted 5.5% in July.?Investors are keen to remember to take a holistic view of the economic data to assist in determining how much volatility they are willing to take moving forward.? ?Continue Reading Here: https://lnkd.in/ekHf8ER8 #Employment #Inflation #planstronger

PlanStrongerTV? Market Update - August 21, 2024: Overseas Markets After a brief overview of the latest market results,?David Dean Holland,?CPA, CFP?, Chief Executive Officer of?Holland Financial, and Chief Investment Officer,?Robert Mara,?CAIA, JD,?focus on investing in overseas markets on?today's?PlanStrongerTV??Market Update. David explains why foreign stocks can help to diversify an investment portfolio in two key ways. Robert points out that this diversification can also help to lower volatility. They also discuss interest rates around the globe and some of the other drivers moving overseas markets. Is it a suitable time for investors to consider allocating a part of their portfolio to foreign stocks and bonds? Watch the Market Update to learn more! Watch the Market Update Here https://lnkd.in/ezJZE7_b #ForeignStocks #OverseasMarkets #PlanStronger