Kropog Financial Group

Interest Rate Update: In this edition of The Monthly Minute, Christopher Rodriguez provides a quick update on the Federal Reserve’s current interest rate policy strategy.

As noted in this Morningstar article, it is important to remember three things regarding stock market volatility: 1) Market downturns happen. It's part of investing. 2) History tells us that if you don’t panic and sell your stocks when the market moves down, you will be rewarded in the long run. 3) Owning a well-diversified portfolio that aligns with your?time horizon, your risk tolerance and your planning goals will allow you to weather the ups and downs of investing.

2025 Stock Market Outlook: In this edition of The Monthly Minute, Courtney Valentine, MBA, APMA? sets the stage for investor expectations ahead of the new year. https://lnkd.in/gnki9PUq

*Around 70% of private-sector employees in the U.S. now have access to a 401(k)-style retirement plan. *A decade earlier, it was 60%. *40% of the working population isn’t saving enough to maintain their lifestyle throughout retirement. Private pensions are a thing of the past, so it's on YOU to know how much to save, how to invest your savings and eventually how to draw down those savings. We can help.

The U.S. economy grew last year by 2.5%, boosted by strong consumer spending. Great news, but this is also why interest rates won't be dropping anytime soon.

Stock market ups and downs are common, normal and should be expected! That is why stocks need to be viewed as a long-term growth driver, while near-term goals (36 months or less) should be invested more conservatively.

Thanks to a bipartisan Congressional effort dubbed The Social Security Fairness Act, The Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) are set to be abolished for good, boosting Social Security payments for millions of government workers and their spouses. In our latest edition of KFG Insight, we study the origin of the WEP and the GPO, what ultimately led to their repeal, and the implications of The Social Security Fairness Act’s passage. Click the link below to read more! https://lnkd.in/gpKTg2zG

Great 2024 market stats from LPL Financial. Investors should recognize that 2024 was a historically atypical year in terms of lack of volatility. Most years contain 1-2 pullbacks of around 10%, and that's what investors should expect in 2025.

Major news!? The Windfall Elimination Provision and the Government Pension Offset are set to be eliminated for good, boosting #SSA payments for millions of government workers and their spouses.? The bill has passed both chambers of Congress and is now awaiting the President's signature.? If you receive a federal, state or local government pension, we suggest you make an appointment to visit your local Social Security office to see how this new law will affect you.

We are now in the final quarter of the year, meaning we have three-quarters of economic data that can be used to spot trends and assess the current state of affairs. So, what are these statistics telling us, and are these data points in line with how Americans view the economy? In the November 2024 edition of The Monthly Minute, Ryan Kropog, CFP?, RICP? highlights four (4) recent economic readings that help gauge the current state of the US economy. VIDEO LINK: https://lnkd.in/e7kbXQap