Larkin Advisory Group

09/22/2026

Interest rates can affect almost every part of someone's financial life. Explain how Federal Reserve policy can influence mortgage rates, borrowing costs, savings accounts, bonds, businesses, and the stock market. Keep the post simple and focused on why investors and consumers pay so much attention to Federal Reserve decisions.

Sources:
• Federal Reserve — Monetary Policy
• Federal Reserve Bank of St. Louis — FRED Economic Data
• Investor.gov — Interest Rates and Investing

09/15/2026

Stock prices move every day, but what actually causes those movements? Break down some of the major factors, including company earnings, expected growth, interest rates, economic conditions, investor expectations, and supply and demand. Explain why a successful company does not automatically mean its stock will always increase.

Sources:
• Investor.gov — Stocks
• FINRA — Stocks and Investing
• U.S. Securities and Exchange Commission — Investor Education

09/10/2026

thursday September 2008, one of the most significant months in modern financial history. Lehman Brothers filed for bankruptcy on September 15, 2008, during the global financial crisis. Briefly explain what happened and connect it to lessons about risk, diversification, and maintaining a long-term financial plan during periods of uncertainty.

Sources:
• Federal Reserve History — The Financial Crisis of 2007–2008
• Federal Reserve Bank of St. Louis
• U.S. Securities and Exchange Commission

09/08/2026

September is a good opportunity to highlight the importance of planning ahead for education expenses. Explain how starting early and consistently contributing can make college costs more manageable, while briefly introducing 529 college savings plans and their potential tax advantages.

Sources:
• Investor.gov — 529 Plans
• IRS — Qualified Tuition Programs (529 Plans)
• FINRA — College Savings Plans

09/03/2026

Artificial intelligence is driving enormous investment across the economy. Highlight how companies are spending on AI infrastructure, data centers, semiconductors, and energy. Companies such as Nvidia, Microsoft, Alphabet, Amazon, and Meta can be used as examples of businesses investing heavily in AI, without presenting them as stock recommendations.

Sources:
• Company Annual Reports and Earnings Reports
• U.S. Securities and Exchange Commission (SEC) — Company Filings
• Federal Reserve — Economic Research

09/01/2026

09/01/2026

With four months left in 2026, take a look at where the financial markets stand. Highlight the S&P 500’s year-to-date performance, inflation, interest rates, and a few major trends investors are watching heading into the final stretch of the year.

Sources:
• S&P Global — S&P 500
• Federal Reserve — Economic Data
• U.S. Bureau of Labor Statistics

08/25/2026

What if you maxed out your Roth IRA? 📈 Consistency and time can have a powerful impact on long-term investing. In this hypothetical example, contributing $7,500 each year from age 25 to 65 and earning an average 7% annual return could grow to more than $1.5 million. While investment returns aren’t guaranteed and contribution limits can change, starting early can give compound growth more time to work.
This is a hypothetical illustration and is not intended to predict investment results. Roth IRA income and eligibility rules apply.
Sources:
IRS — IRA Contribution Limits
Investor.gov — Compound Interest Calculator

08/20/2026

A college degree is still valuable, but landing the right job after graduation isn’t always immediate. 🎓 Recent data from the Federal Reserve Bank of New York show that more than 4 in 10 recent college graduates are underemployed, meaning they are working in jobs that typically do not require a college degree.

For young adults entering the workforce, this highlights the importance of building a flexible financial foundation. Creating a realistic budget, managing debt, building emergency savings, and starting to invest when possible can help prepare for the uncertainty that often comes with the transition from college to a career.

Sources:
Federal Reserve Bank of New York — The Labor Market for Recent College Graduates
Federal Reserve Bank of New York — The College Economy