Jayson R. Chichelli - Empire Financial Advisors

Jayson R. Chichelli - Empire Financial Advisors Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Jayson R. Chichelli - Empire Financial Advisors, Financial planner, 3 Lear Jet Lane, Latham, NY.

I Help Professionals & Growing Families Build Wealth with Clarity Using My 3D Framework™ | Financial Planning | Investment & Retirement Strategies | Trusted Partner

Securities offered through LPL Financial, Member SIPC sipc.org

10/09/2026

“Should I wait until after the midterms to invest?”

It’s one of the most common questions I get, and the headlines aren’t helping.

Here’s what history says. In 21 of the last 23 midterm elections, the S&P 500 went up from one month before the vote to two months after. The median gain over that window was about 7%.

The only two down periods, 1978 and 2018, were driven by interest rate fears, not the election itself.

Yes, midterm years have historically lagged other years overall. But the midterms alone aren’t a reason to stay out of the market. Elections come and go every two years, and your plan should be built on your goals, not the news cycle.

Want a second set of eyes on your strategy? Reach out.

10/04/2026

Had a great time volunteering at the McQuaid Invitational on Saturday! 🏃‍♂️

Coming back to McQuaid was especially meaningful for me. I ran in the Invitational five times during my time there, so it was pretty cool to experience the event from a completely different perspective this year.

I spent part of the day riding in the pace car with a megaphone, helping keep the spectators engaged, bringing some energy to the races, and cheering on the athletes as they came through. Definitely a different experience from being the one out on the course!

The McQuaid Invitational is the largest high school-sponsored cross country meet in the country, bringing together over 7,000 student-athletes every year to compete.

It was also great being surrounded by so many fellow McQuaid alumni and getting the opportunity to give back to a community that played such a big role in my life.

Pretty cool to go from running the Invitational five times to helping make the event happen. Looking forward to next year!

09/30/2026

Your 20’s can be weird…

Focus on you and getting to the places you want to go rather than the noise around you.

09/28/2026

Market Monday | WEEK OF SEPTEMBER 28, 2026

Markets finished last week higher, but investors are starting this week with a few new concerns.

The biggest story is rising oil prices and Treasury yields. Oil moved higher this morning as Middle East tensions increased, while the 10-year Treasury yield moved back above 5%. Higher oil can add to inflation, while higher bond yields can put pressure on stocks and borrowing costs. (MarketScreener Canada)

WHAT WE’RE WATCHING THIS WEEK

📊 Inflation — Wednesday
The PCE inflation report comes out Wednesday. This is one of the key inflation measures watched by the Federal Reserve.

👷 Jobs — Friday
The September jobs report comes out Friday. The labor market remains an important factor in the Fed’s decisions on interest rates.

🏠 Housing & Consumer — Tuesday
Home prices, consumer confidence and job openings will provide additional insight into the health of the economy.

💻 Earnings — Wednesday
Micron reports earnings Wednesday, giving investors another look at the strength of the semiconductor and AI markets.

THE BIG PICTURE

Right now, three things are competing for investors’ attention:

Oil ↑ → Inflation concerns
Treasury yields ↑ → Pressure on borrowing costs & stock valuations
Economic data → Expectations for the Federal Reserve

Markets can move quickly when these three factors change.

SECTOR WATCH

Technology: Higher rates could put pressure on higher-valued growth stocks.

Energy: Oil prices remain highly sensitive to Middle East developments.

Small Caps: Smaller companies can be more sensitive to higher borrowing costs.

Bonds: Higher yields are creating more attractive income opportunities, but interest-rate risk remains important.

PLANNING FOCUS

As we move into October, it’s a good time to review the financial items that can easily get overlooked:

* Retirement contributions
* Roth conversion opportunities
* Beneficiaries
* Insurance coverage
* Estate documents
* Open-enrollment benefits
* Retirement income strategy

BOTTOM LINE

This week is all about inflation, interest rates and employment.

The market may continue to move around as investors digest the data, but the long-term focus remains the same:

Stay diversified, understand your risk, and make financial decisions based on your plan—not the headlines.

Have a great week!

09/23/2026

👉 Portfolio drift: why your 60/40 might not be 60/40 anymore.
🚨 In this hypothetical, stocks outgrowing bonds turns 60/40 into 82/18 over 20 years, with no trades. That can mean more risk than you signed up for.

When did you last check your mix? Link in bio to reach out.

For education only—not personal financial advice.

09/21/2026

🌎 MARKET MONDAY | SEPTEMBER 21, 2026

Geopolitics, Energy & Your Financial Plan

Markets are heading into a week where global developments could influence investor sentiment, energy prices, and interest rate expectations.

Here’s what I’m watching:

📌 1. U.S.–China Relations
Upcoming discussions between President Trump and Chinese President Xi Jinping put trade, tariffs, and artificial intelligence in the spotlight. Investors will be watching for developments that could influence global economic growth.

📌 2. Geopolitical Risk & Energy
Ongoing conflicts involving Russia, Ukraine, and the Middle East continue to create uncertainty around energy supply and global trade routes. Changes in oil prices can have ripple effects across transportation, businesses, and household budgets.

📌 3. Interest Rates & Economic Data
This week’s economic calendar is relatively light, with manufacturing data, new home sales, durable goods orders, and consumer sentiment on deck. These reports can help investors assess the direction of the economy.

📌 4. The Retirement Planning Connection
Market volatility is only one part of the retirement equation. Your income needs, spending plan, tax strategy, and portfolio allocation all matter when preparing for retirement.

The takeaway: You don’t need to predict every geopolitical event to build a thoughtful financial plan. You need a strategy that considers uncertainty and is aligned with your long-term goals.

💬 Question of the week:
When markets become uncertain, do you know how your investment strategy is designed to respond?

📩 If you’re approaching retirement or navigating a major financial transition, let’s start a conversation.

09/15/2026

💸 Wealth in 60 | Episode 7
👉 The market doesn’t have to perform badly forever to create a serious retirement problem.

A major loss early in retirement can hurt twice:

📉 Your portfolio drops
💸 You’re withdrawing from a smaller balance

That’s why retirement income planning is about more than choosing investments.

It’s about preparing for the timing of market returns.

09/14/2026

📈 MARKET MONDAY | SEPTEMBER 14, 2026
Markets, Money & The Week Ahead

Good morning! Here’s a look at the major market themes, economic updates, and planning opportunities to keep on your radar this week.

📊 MARKET UPDATE
Markets are entering the week with several competing factors creating uncertainty.

Investors are watching:
Higher oil and energy prices
Ongoing inflation concerns
Geopolitical tensions
Uncertainty surrounding interest rates
Continued questions surrounding AI-related investments and valuations

The Federal Reserve will hold its next meeting this week, with the interest rate decision scheduled for Wednesday, September 16 at 2:00 PM ET.

The market is closely watching whether the Fed chooses to maintain current rates or make a change. Regardless of the decision, the announcement could create additional short-term market movement.

🗓️ KEY ECONOMIC RELEASES
Several important reports are scheduled for release this week, including:
Empire State Manufacturing data
Retail sales
Import and export price indexes
Business inventories
Housing market sentiment
Housing starts
Weekly jobless claims

These reports may provide additional insight into consumer spending, inflation, employment, and the strength of the housing market.

💰 MONEY NOTE
Third-quarter estimated tax payments are due Tuesday, September 15, 2026.
If you make quarterly estimated tax payments, be sure to review your payment schedule and coordinate with your tax professional when necessary.

🏡 PLANNING FOCUS: CONTROL WHAT YOU CAN
With markets facing several potential sources of volatility, this is a good time to focus on the areas that are within your control.

Consider reviewing:
✅ Your overall diversification
✅ Your emergency fund and cash reserves
✅ Your retirement contributions
✅ Your tax-planning opportunities
✅ Your investment time horizon
✅ Your account beneficiaries
✅ Your account titling and estate documents
✅ Your upcoming income and liquidity needs

Market headlines can change quickly. A strong financial plan helps you stay focused on your goals instead of reacting emotionally to every headline.

🎯 THIS WEEK’S TAKEAWAY
We cannot control the economy, interest rates, inflation, elections, or geopolitical events.

But we can control how prepared we are.

The goal is not to predict every market move. The goal is to build a financial strategy that is designed to help you navigate different market environments while keeping your long-term objectives in focus.

Stay informed. Stay diversified. Stay focused on the long term.

09/10/2026

💸 Wealth in 60 | Episode 6
🚨 Roth Conversions

👉 Are Roth conversions something you know about and do they fit into your retirement income plan?

Any and all business professionals welcome!!
09/10/2026

Any and all business professionals welcome!!

Address

3 Lear Jet Lane
Latham, NY
12110

Telephone

+15186503501

Website

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