Annual Performance Review

The quarter in brief The S&P 500 gained 2.0% in the third quarter and finished September up 11.8% for the year (12.7% with dividends). That is a solid result, but it hides a real tug-of-war underneath. On one side: corporate profits. S&P 500 earnings are on track to grow more than 29% this quarter, led by AI-driven technology and an oil-fueled energy sector. On the other side: interest rates. The Federal Reserve raised rates in September for the first time since 2023, and the

Estate and financial planning are not just for the wealthy or retired. They are essential components of responsible financial stewardship at every stage of life. In Pennsylvania, proper planning is especially important due to unique inheritance tax rules, probate procedures, and healthcare considerations. At its core, estate and financial planning ensure that: Your assets are distributed according to your wishes Your family avoids unnecessary taxes, delays, and court involvem