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The Big Four Recession Indicators: Industrial Production Unexpectedly Flat in April

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Industrial production was unexpectedly flat in April, lower than the forecasted 0.2% growth. Compared to one year ago, industrial production is up 1.5%.

Retail Sales Inch Up 0.1% in April, Higher Than Expected

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The Census Bureau's Advance Retail Sales Report for April showed consumer spending inched up last month, with head sales rising 0.1%. This comes on the heels of March's 1.7% surge in spending and was higher than the 0.0% forecast.

Empire State Manufacturing Survey: Activity Continued to Decline Modestly in May

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Manufacturing activity contracted for a third consecutive month in New York State, according to the Empire State Manufacturing May survey. The diffusion index for General Business Conditions fell 1.1 points to -9.2. The latest reading was worse than the forecast of -8.2.

Unemployment Claims Unchanged from Last Week, as Expected

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In the week ending May 10th, initial jobless claims were at a seasonally adjusted level of 229,000. This is unchanged from the previous week's figure and was consistent with the forecast.

How Rebalancing Helps Keep Your Portfolio on Track

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Keeping your financial plan aligned with your goals, risk tolerance and time horizon.

Income Without the Volatility…or Credit Exposure

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Our overarching theme for U.S. fixed income has been, and will continue to be, based on the premise that interest rates will stay at more historically “normal” levels, but that, within this backdrop, investors will face heightened volatility.

The Extreme Risk of High Valuation: The Truth About the S&P 500’s Valuation (Part 2)

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In this video – Part 2 – Extreme Risk of High Valuation – Chuck Carnevale, Co-Founder of FAST Graphs, aka Mr. Valuation discusses the volatility of the stock market, using the S&P 500 (SPY) as a proxy.

A $12 Billion Window Into AI’s Race for Power

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The artificial intelligence arms race has prompted a contest for America’s power plants.

5 Ways an Overlay Can Smooth Out a Rocky Market

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When volatility ripped through markets last month, many investors scrambled to respond. Some wanted to quickly adjust specific security exposures. Others wanted to flee to cash or build in protection against additional downside moves. And some rushed to buy the dip.

The Next Chapter of AI? Proactivity.

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Advisors need AI solutions that are useful over the long term as the business evolves.

Take a Breath When Unfairly Criticized

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It can be tempting to react when someone at work criticizes you at work, but take some time to consider the issue before you do.

4 Common Myths of Website User Experience

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To help exemplify the importance of UX, I’m breaking down a few of the most common UX myths, along with the top recommendations to avoid the pitfalls associated with them.

The China Trade Deal Doesn’t Solve the Fed’s Problems

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The agreement between the US and China to roll back their respective tariffs for 90 days has led to renewed optimism that the worst of America’s trade wars is over.

Stock Rally Nobody Is Comfortable With Makes It Hard to Chase

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Equity investors pushed back into the market by a relentless rally are about to find out that the real challenge is just beginning.

Private Credit’s Latest Golden Moment Is Hiding the Cracks

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Anyone betting on the end of the private credit boom has been on the back foot of late as the upstart $1.6 trillion asset class has notched up a string of wins. But the industry’s naysayers won’t be conceding defeat just yet.

Buying the Dip Still Works — Even in This New World

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Retail investors have won again. When trade tensions flared in early April and about $6.6 trillion in market value vanished from US stocks in just two business days – the fifth-worst two-day drop since the S&P 500’s creation in 1957 – they didn’t panic.

Cryptocurrencies: Bitcoin Back Above $100K

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Bitcoin's closing price broke above $100,000 this week, hitting its highest level in over three months. BTC is up ~10% year to date and is ~2% below its record high from January 2025.

Buffett’s Little Japan Handbook and Other Lessons

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Warren Buffett has finally answered a question that has long intrigued investors: What sparked his interest in five Japanese trading houses in 2020, a bet that is now worth more than $25 billion?

A Surge of Gold into Asian ETFs Drove Global Holdings Higher in April

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Flows of gold into Asian ETFs exploded in April, driving global ETF gold holdings higher for the fifth straight month.

US Oil Output Has Peaked. But Don’t Expect a Rapid Decline.

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The chain-smoking protagonist of Landman, the American television drama series about the Texas oil industry, puts it better than anyone else: “You want oil to live above 60, but below 90,” says the fictional Tommy Norris. “Seventy-eight dollars a barrel, that’s about perfect.”

A Bear Market Rally? Or, Just A Correction?

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Assessing a bear market rally proves challenging when you experience it firsthand. It is only in hindsight that the complete picture reveals itself to investors. Of course, after a bear market rally, investors tend to review their investments and speculate on what they should have done differently.

Fed's Rigidity Risks Recession as Tariffs Start to Bite

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The surprisingly large reduction in mutual tariffs between China and the U.S. announced early Monday morning has sent the markets flying. Trump has softened his approach dramatically and markets are expecting future deals. The base case: everyone at 10%, China at say 20% is still a jump, but at least will likely prevent a recession. Trade and tariffs remain the main focus for markets.

Market Chaos is Harvesting Income Opportunities

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The more duration risk taken, the more reward or yield demanded by investors. This is why, historically, the yield curve provides incrementally more yield for longer-maturity bonds.

Indicators Flashing Green for Agency MBS

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In the report, Portfolio Managers John Kerschner, Nick Childs, and Thomas Polus highlight three reasons why agency mortgage-backed securities (MBS) look attractive in the present environment.

U.S./Japan Trade Negotiations

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The U.S. may not walk back all of the new tariffs.

Dissecting the Stock Market: The Truth About the S&P 500’s Valuation (Part 1)

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In this video, Chuck Carnevale, Co-Founder of FAST Graphs, aka Mr. Valuation discusses the volatility of the stock market, the truth about the S&P 500’s valuation, using the S&P 500 (SPY) as a proxy.

Commonwealth Partners with Messina College, Creating Career Paths for First-Generation College Students

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Commonwealth Financial Network®, a national RIA dedicated to providing financial advisors with holistic, integrated business solutions, has initiated a new partnership with Messina College, a two-year, all-residential degree program of Boston College that welcomed its first-ever class of students to the school’s Brookline Campus last summer.

Want to Build a Strong Advisor Team? 3 Ways to Retain Top Talent

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Trying to grow a stable team of advisors & retain top talent? Young advisors are seeking RIA firms offering, e.g., remote work flexibility

Gas Prices Drop to 7-Week Low

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Gas prices dropped to their lowest level in seven weeks. As of May 12th, the price of regular gas down 3 cents while premium gas was unchanged from the previous week.

Household Debt Rises to $18.20 Trillion in Q1

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Household debt increased by 167 billion (0.93%) in Q1 2025, reaching $18.20 trillion. The overall rise was driven by increases to student loan and mortgage balances.

Why Tariffs Won’t Bring Back the “Good Old Days”

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While the U.S. and U.K. have different economic and regulatory landscapes, there are clear opportunities for the U.S. to improve retirement readiness by adopting some best practices from across the pond.

Liquidity Risk in 2025: A Strategic Priority, Not a Side Concern

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In 2025, liquidity is not a background variable — it's a front-line risk factor, one that’s being tested repeatedly as global markets navigate a web of geopolitical uncertainty and macroeconomic signals.

Fiduciary & Compensation

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Knut A. Rostad

Cross-Atlantic Retirement Readiness: What the U.S. Can Learn from the U.K.

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While the U.S. and U.K. have different economic and regulatory landscapes, there are clear opportunities for the U.S. to improve retirement readiness by adopting some best practices from across the pond.

Inside the Consumer Price Index: April 2025

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Inflation affects everything from grocery bills to rent, making the Consumer Price Index (CPI) one of the most closely watched economic indicators. The Bureau of Labor Statistics (BLS) tracks this by categorizing spending into eight categories, each weighted by its relative importance.

How to Cut US Drug Prices Without Hurting Innovation

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The price of Wegovy, Novo Nordisk’s blockbuster weight-loss drug, is $1,349 a month in the US; in Germany, it’s $328. The US price for Keytruda, a cancer treatment, is $191,000 a year; in Japan, it’s $44,000.

Buyout Firms Ramp Up Debt Deals to Pay Dividends

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Companies are launching a number of debt deals designed to pay out a dividend to their private equity owners, at a time when buyout firms are under pressure to return money to clients.

US Inflation Comes In Softer Than Forecast for a Third Month

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US inflation rose by less than forecast in April amid tame prices for clothing and new cars, suggesting little urgency so far by companies to pass along the cost of higher tariffs to consumers.

US Firm Global AI Secures Saudi Investment Worth Billions

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Global AI, a US tech firm, plans to collaborate with a Saudi Arabian artificial intelligence venture, Humain, in an agreement expected to be worth billions of dollars, according to a person familiar with the mattter.

Busy Week for Muni Debt Sales Tests Investors Wading Into Market

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A wave of municipal-bond sales scheduled for this week will test a recent rebound in buyer demand after investors sold their holdings during April’s market rout.

NFIB Small Business Survey: Uncertainty Continues to Drag Down Optimism

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The NFIB Small Business Optimism Index dropped for a fourth straight month, falling to 95.8 in April. Notably, the percent of small business owners who reported difficulty filling job openings fell to its lowest level since January 2021.

Consumer Price Index: Inflation Cools to 2.3% in April, Lower Than Expected

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Inflation cooled for a third straight month in April, hitting its lowest level in over four years. According to the Bureau of Labor Statistics, the headline figure for the Consumer Price Index was at 2.3% year-over-year, down from 2.4% in March and lower than the expected 2.4% growth.

Active Fixed Income Perspectives Q2 2025: Risks to Realities

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The early-April announcement of a broad new round of tariffs against virtually all U.S. trading partners—followed by a pause for many of them—has triggered a tidal shift in the global economy. Uncertainty created by tariff negotiations, as well as burgeoning federal debt levels and other ongoing concerns, has far-reaching economic implications, leading us to reassess our 2025 outlook.

The Link Between Tariffs and The U.S. Federal Budget

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Tariff talk has been at a fever pitch for the past three months. Its dominance of the news cycle has crowded out discussion of other important economic issues, such as the sustainability of America’s national debt.

Three Takeaways From Earnings Season

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The roller coaster continues! A stronger than expected first quarter earnings season and encouraging signs on the trade front—highlighted by the US-UK trade deal—helped lift the S&P 500 from its April 8 near-bear market lows, reversing nearly all post-Liberation Day (April 2) losses.

Software Recurring Revenue Lending: Flexibility and Skill Required

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It may seem risky to lend against recurring revenues, not earnings. With proper underwriting, it doesn’t have to be.

What’s the Frequency. . . Russell?

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In the latest edition of Design Matters, titled “What’s the Frequency… Russell?” Greg Behar of Westwood’s Managed Investment Solutions (MIS) team examines how the Russell U.S. Indexes’ decision to return to a semi-annual reconstitution schedule is transforming risk management practices, market participation and the future of custom indexing.

Giant Step in U.S.:China Tariff Talks Sends Stocks Soaring

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China and the U.S. conducted their first formal trade talks of 2025 over the weekend. And on Monday, May 12, they announced the outcome of their negotiations.

Giant Step in U.S./China Tariff Talks Sends Stocks Soaring

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China and the U.S. conducted their first formal trade talks of 2025 over the weekend. And on Monday, May 12, they announced the outcome of their negotiations.

Hate It or Love It: Sentiment's Message

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The April plunge in stocks ushered in a huge washout in investor sentiment, but more so on the attitudinal side as opposed to the behavioral side.