Other than the historic volatility in gold and silver prices, the biggest news for markets in January may have been the nomination of Kevin Warsh as the next Federal Reserve (Fed) Chair. We anticipate a Warsh-led Fed will be able to steer the Federal Open Market Committee (FOMC) toward two rate cuts later this year, with help from easing inflation pressure. Remember, the Chair just gets one vote on the 12-member FOMC, so the health of the labor market and the path of inflation will be critical. 

With the increasing amount of personal information shared and stored online, it’s crucial to take proactive steps to protect yourself. Here are a few essential tips to help you safeguard your sensitive data and maintain your digital privacy.

Stocks had another strong year in 2025 as most market benchmarks enjoyed their third straight year of double-digit returns. Last year’s performance was particularly rewarding given how much stocks overcame — notably tariffs. Tariffs weren’t the only obstacle, as market concentration, high valuations, deficit spending, and inflation occupied spots on investors’ lists of worries. Reflecting on 2025, here are some noteworthy takeaways:

By: Juan Carlos Medina, CFP, focuses on holistic financial wellness.

With 2025 quickly winding down you still have some time to lower your tax bill and help plan for the years ahead. With some new opportunities due to the One Big Beautiful Bill Act these 8 tax tips can help you finish this year strong and help put your best foot forward in 2026.