Arroyo Investment Group

10/10/2026

170 questions. 6 hours. One day. ☕
And that's just the exam. Here's what it really takes to earn CFP® certification:

📚 Education: College-level coursework covering 70 topics, capped off by building a full financial plan from scratch
📝 Exam: About 1 in 3 candidates didn't pass in 2026
⏱️ Experience: 6,000 hours on the job. That's roughly three years of full-time work!
🤝 Ethics: A signed ethics declaration and a background check

Only 107,529 people in the U.S. have made it through (as of 12/31/2025). Happy National Financial Planning Month! 🎉

Sources: CFP Board, "The Four E's"; CFP Board 2026 exam results and year-end 2025 data

10/09/2026

💙 At Arroyo Investment Group, we work with police officers, firefighters, and municipal employees, and we have team members who come from those backgrounds.

That matters because it means we understand:
• How your pension works and how to coordinate it with your other retirement assets
• The decisions around retirement timing and DROP programs
• The unique tax and benefits considerations that come with your career

Whether you are early in your career or already retired, we are here to simplify the process and give you a clear roadmap forward.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Our Pasadena financial advisors help individuals and families to get high performance consultation. For financial results call Arroyo Investment Group!

10/09/2026

💼 Do you know where every 401(k) you have ever had actually is?

A career with several job changes usually leaves retirement savings spread across plans nobody is actively watching.

Where to start:
▪️ Build the inventory. List every account, its number, and its plan administrator. Old W-2 forms help surface employers you have since left.
▪️ Confirm each beneficiary. Retirement accounts pass by designation rather than through a will.
▪️ Understand your options. For an old 401(k), you can generally leave it in the former employer's plan, move it to a current employer's plan if transfers are accepted, roll it into an IRA, or take a distribution.

Each path has real tradeoffs. Investment options, fees and expenses, services provided, creditor protection, employer stock holdings, withdrawal rules, and required minimum distributions all differ between an employer plan and an IRA, and they differ between plans.

Consolidation appeals to people for understandable reasons, including a single statement and one coordinated strategy. Some old plans also hold investment options or cost structures worth keeping. Which answer fits depends entirely on the specifics.

What is rarely the right answer is not knowing where the accounts are at all.

Arroyo Investment Group helps clients locate retirement accounts they have lost track of and compare the available options side by side.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Sources: Distribution options for former employer retirement plans, beneficiary designation rules, and required minimum distribution requirements per the IRS. Whether to leave assets in a former employer's plan, transfer to a new employer's plan, roll over to an IRA, or take a distribution depends on individual circumstances, including available investment options, fees and expenses, services provided, withdrawal penalties, protection from creditors, holdings of employer stock, and required minimum distribution rules. Arroyo Investment Group, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. This material is for informational purposes only and does not constitute tax or investment advice.

10/08/2026

🔑 Four questions every investor should be able to answer about their financial advisor:

1. Are they a fiduciary? (legally required to act in your best interest at all times)
2. Are they fee-only? (no commissions, no conflicts of interest)
3. Can they show you a verified, transparent track record?
4. Do they actively manage your portfolio or simply park it in an index?

At Arroyo Investment Group, the answer to all four is yes.

If you cannot say the same about your current advisor, it may be time for a conversation.

👉 https://arroyoinvestmentgroup.com/why-arroyo/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Financial planning, investment management & GIPS® compliant reporting by CFP® professionals. No commissions, accountable to you. Nationwide.

10/08/2026

🔐 Scammers need five seconds of audio to clone a voice. Pick a family code word.

Our custodian, Charles Schwab, has flagged a growing scam built on AI voice cloning. A few seconds pulled from a social media video is enough to sustain an entire phone conversation in a family member's voice, typically paired with an urgent request to wire money.

Wire transfers are the preferred channel because funds move fast and are very difficult to recover.

Schwab's recommended precautions:

▪️ Be skeptical of wire requests you did not initiate, particularly when pressure to act immediately is involved.

▪️ Verify instructions directly with the recipient, in person or by phone at a number you already have.

▪️ Research the institution or individual before sending funds.

▪️ Use caution with online-only relationships, since many scams begin as platonic or romantic connections before money is raised.

▪️ Establish a family code word that relatives can use to confirm identity in an unexpected request.

One detail deserves emphasis. Most institutions cover losses when an account is hacked. When someone is persuaded to authorize a transfer themselves, that protection often does not apply.

Which is why slowing down is the entire defense.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Source: Charles Schwab, "How to Wire Money Safely," November 14, 2025, Schwab fraud prevention resources. Guidance attributed to Lisa Lang, senior manager, financial crimes awareness team at Charles Schwab. Loss coverage policies vary by institution and circumstance. Schwab Alliance may be reached at 800-515-2157, or +1-602-355-3405 from outside the United States. This material is for informational purposes only.

10/07/2026

🏆 What does institutional-quality investment management actually look like for an individual investor?

It looks like this:

• A genuinely diversified portfolio built across sectors, asset classes, and geographies, not just a collection of popular stocks or index funds
• Active management designed to capture opportunity in rising markets and protect wealth when conditions deteriorate
• Performance reporting using GIPS® compliant standards.
• A fee-only, fiduciary advisor whose only obligation is to you
• Proactive, ongoing communication so you always know what is happening and why

At Arroyo Investment Group, that is exactly what we deliver for every client we serve, regardless of account size.

👉 https://arroyoinvestmentgroup.com/why-arroyo/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Arroyo Investment Group claims compliance with the Global Investment Performance Standards (GIPS®). To obtain a complete list of composite descriptions and GIPS® compliant performance results, please visit arroyoinvestmentgroup.com/our-track-record/ or contact us at (626) 844-1441.

GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein.

As a GIPS-compliant financial advisor, we are fully transparent and accountable to you. Learn how we help you achieve financial security.

10/07/2026

🏛️ Some outcomes are so predictable that markets price them in months ahead.

The midterm seat-loss pattern is among the most consistent in American politics.

▪️ 27 seats. The average House loss for the president's party across the past 23 midterm elections.

▪️ 3 seats. The average Senate loss over the same period.

▪️ Twice. The number of times the president's party gained seats in both chambers.

▪️ 1934. How far back the pattern runs, holding across nine decades and every economic environment.

The drivers are consistent regardless of administration. Voters aligned with the party out of power tend to turn out in greater numbers, and presidential approval typically softens over the first two years of a term.

The investing implication follows from that predictability. Because seat losses are routine, markets tend to price them in early. What remains uncertain much longer is the magnitude of the shift and its policy consequences.

That distinction helps explain the broader seasonal pattern in midterm years: muted returns through the first three quarters, volatility building into the fall, and markets moving once clarity arrives.

Markets rarely react to what is widely expected. They react to what cannot yet be measured.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Source: Capital Group, "The incumbent has lost seats in all but three midterm elections." Data compiled from Capital Group and UCSB: The American Presidency Project. As of January 15, 2026. Chart reflects net change in House of Representatives seats controlled by the president's party following midterm elections, 1934 to 2022. This material is for informational purposes only and does not constitute a political endorsement or investment advice.

10/06/2026

📊 Most financial advisors will never show you their track record. At Arroyo Investment Group, we make ours available to everyone.

Arroyo Investment Group claims compliance with the Global Investment Performance Standards (GIPS®).

What that means for you:
• A track record you can actually evaluate
• Standardized performance reporting that allows apples-to-apples comparisons
• The confidence that what you see is what you get

Transparency is not a feature at Arroyo Investment Group. It is the foundation of everything we do.

To view our track record:
👉 https://arroyoinvestmentgroup.com/our-track-record/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein.

10/06/2026

💵 The dollar has rebounded. That is a tailwind for some things and a headwind for others.

Higher U.S. interest rates have pulled capital toward dollar-denominated assets, strengthening the currency broadly against the euro, pound, and yen.

▪️ 102. Where the U.S. Dollar Index now sits, after a year and a half at or below 100. Among the strongest levels in nearly 25 years, outside the 2022 to early 2025 period.

▪️ 5.3% and 5.7%. The 10-year and 30-year Treasury yields, both at over 20-year highs.

▪️ Real rates, not just nominal. Inflation-adjusted yields have risen, which makes U.S. assets more attractive in relative terms than a simple rate comparison suggests.

▪️ 14.9x, 9.9x, 19.2x. Forward price-to-earnings ratios for developed international markets, emerging markets, and the S&P 500 respectively.

The portfolio effect runs through currency conversion. Foreign holdings are denominated in local currencies that eventually convert back to dollars, so a strengthening dollar reduces international returns in dollar terms. A weakening dollar does the opposite, as it did last year.

Worth noting that emerging markets underperformed in the third quarter yet remain among the better performing asset classes year to date, and that fundamentals across both developed and emerging markets remain supportive.

Currency movements shift quickly in response to rates, geopolitics, and economic expectations. Holding a balanced mix across regions manages that exposure better than attempting to position around it.

Read this week's full article from John Odell: https://arroyoinvestmentgroup.advisorlibrary.com/us-dollar-rebound-th-95ztq7ve6x

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

As interest rates have risen to multi-decade highs, one of the implications that has received less attention is the strengthening U.S. dollar. The dollar affects all aspects of financial markets, the economy, and everyday life. Its value impacts the cost of imported goods, foreign travel, the revenu

10/05/2026

🔒 October is Cybersecurity Awareness Month. Here is the scam our custodian is flagging.

Charles Schwab has reported an increase in fraudsters using texts, emails, and calls to gain remote access to consumers' devices.

The pattern is consistent. Someone claiming to represent a financial institution or government agency says your account has been compromised, then pressures you into installing software to fix it. Once installed, they have access to your accounts, passwords, and personal information.
Schwab's guidance:

▪️ Stop. Pause before installing anything or granting access, especially if you are being pressured to act immediately.
▪️ Drop. Hang up, delete the message, close the window. Then call the institution directly using a number you already have.
▪️ Remove. If you were targeted, remove the software and run an antivirus scan, or have a professional handle it.

The principle worth remembering: legitimate financial institutions do not call and ask to access your device.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Source: Charles Schwab client communication regarding remote access scams. Additional fraud prevention resources available through SchwabSafe. Schwab Alliance may be reached at 800-515-2157, or +1-602-355-3405 from outside the United States. This material is for informational purposes only.

Financial planning, investment management & GIPS® compliant reporting by CFP® professionals. No commissions, accountable to you. Nationwide.