Todd M.Hoffman, CFP, CPM, Wealth Advisor-Steward Partners Global Advisory

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# Market Insights for September: Navigating Volatility

As summer winds down, the conversation shifts back to the markets, and there’s a lot to unpack this September. Jenna Makras, alongside Todd Hoffman, dives into the current economic landscape, marked by changing interest rates and significant market movements.

# # Federal Reserve and Interest Rates
Interest rates are back in the spotlight, especially after the Federal Reserve's recent discussions. Todd highlights that while the Fed has kept rates between 3.5% and 3.75%, recent comments from Chairman Powell suggest a potential rate hike is on the horizon.

"The Fed is looking at the entire economy, not simply one inflation report." — Todd Hoffman

The Fed's cautious approach is fueled by ongoing inflation concerns and resilient economic activity. The market is now pricing in a 55%-60% chance of a quarter-point rate hike in September, a significant shift from earlier expectations.

# # Impacts on Bond Markets
This climate of uncertainty is also affecting the bond market. Todd notes a considerable rise in Treasury yields, with the two-year Treasury hitting about 4.3% and the ten-year around 4.7%.

Todd emphasizes the strategy of favoring shorter and intermediate bond maturities to mitigate risks associated with potential interest rate hikes.

# # Market Performance and Sector Analysis
Despite geopolitical tensions, the stock market has shown resilience. The S&P 500 is up approximately 13%, and the Russell 2000 small-cap index has surged by around 21% this year. Todd explains the sectors that are thriving:
**Technology**: Particularly those involved in AI and infrastructure.
**Industrials**: Benefiting from increased spending on power infrastructure and manufacturing.

However, not all sectors are performing well. Consumer discretionary and real estate are struggling, primarily due to consumers facing higher costs of living.

"The headline consumer numbers don't tell the entire story." — Todd Hoffman

# # A Divided Consumer Economy
Todd elaborates on the disparity within consumer spending. Higher-income households remain robust, while lower-income groups are increasingly squeezed by rising costs in energy and housing. This division is impacting retail sales and discretionary spending.

# # Future Outlook
Looking ahead, Todd advises investors to keep an eye on oil prices, labor market reports, and the Consumer Price Index (CPI) leading up to the Fed's September meeting.

"The market remains constructive, and I believe we will have a strong finish to the year." — Todd Hoffman

The overarching message is one of cautious optimism, with a focus on identifying solid businesses and managing risk in a fluctuating market.

As we transition into fall, staying informed and adaptable will be key. For a deeper dive into these insights and more, listen to the full episode of the Hoffman Private Wealth Group podcast.

Watch Our Newest Episode of HPWG Market Insights: https://ow.ly/BLxi50ZIRNz

Exploring interest rates, inflation, and market sectors this fall.

As summer winds down, the conversation shifts back to the markets, and there’s a lot to unpack this September. Jenna Makras, alongside Todd Hoffman, dives into the current economic landscape, marked by changing interest rates and significant market movements.

Looking ahead, Todd advises investors to keep an eye on oil prices, labor market reports, and the Consumer Price Index (CPI) leading up to the Fed's September meeting.

"The market remains constructive, and I believe we will have a strong finish to the year." — Todd Hoffman

The overarching message is one of cautious optimism, with a focus on identifying solid businesses and managing risk in a fluctuating market.

As we transition into fall, staying informed and adaptable will be key. For a deeper dive into these insights and more, listen to the full episode of the Hoffman Private Wealth Group podcast.

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HPWG Podcast August 2026: Moves to Protect Gains, Earnings Season, Buying Opportunity in Technology?

In this episode, Todd Hoffman and Jenna Makras discuss the key market developments in August, including geopolitical tensions, earnings season insights, and the outlook for AI and technology stocks. They explore how these factors influence investment strategies and market sentiment.

View here: https://todd-hoffman.stewardpartners.com/.72.htm

In today's fast-paced financial landscape, the key to success lies in recognizing opportunities that others overlook. Just look at Taylor Swift's wedding—a New York artist turned trash into treasure! 🌟

In investing, it’s about seeing beyond headlines. Luke Lango's insights showcase how the best investors identify hidden gems, like Howmet Aerospace. 📈💡

Join me in exploring these untapped investment strategies and start planning your financial future wisely!

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'Regime change but in a velvet glove': How Kevin Warsh has set out to remake the Fed The first big announced changes point toward a quiet revolution, with task forces set up to rethink virtually everything done at the Fed.

Hobbies should bring joy, not financial stress. As costs rise for activities like golf, camping, and gaming, it's crucial to reassess how we indulge. Explore these insights and join the conversation on balancing passion with financial planning!

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HPWG Podcast March 2026: Markets Are Moving — Here’s What Investors Should Know

Markets have been anything but calm lately — and this weekend’s geopolitical developments have only added to the uncertainty.

In this episode of the Hoffman Private Wealth Group Podcast, Wealth Managers Todd Hoffman and Jenna Makras discuss the current state of the markets, including volatility, economic indicators, and international market performance. They also touch on political influences affecting the financial landscape and provide insights into their investment strategies moving forward.

In this episode, we cover:

• What the Middle East conflict could mean for markets
• Why this volatility is normal — not a reason to panic
• How AI is quietly reshaping market leadership
• Why we’re trimming past winners to fund future ones
• Where new opportunities may be emerging
• Our outlook on rates, bonds, and economic growth
• Why staying disciplined matters in uncertain markets

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