"We must go back to January when we forecasted the year…. I was optimistic about the upcoming year but didn’t think it would be as good as it has been. The S&P year to date is up 15%…." -John Chidwick, Senior Wealth Advisor, RJFS

Disclaimer: Opinions expressed in the attached article are those of the author and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice.

The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation.

The information contained in this video does not purport to be a complete description of the securities, markets, or developments referred to in this material.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary.

Investments mentioned may not be suitable for all investors. The material is general in nature. Past performance may not be indicative of future results.

"March was the 5th straight month that the S&P 500 rallied 1% or more in a calendar month... The market has been off to a good start this year after a bounce back at the end of last year." -John Chidwick, Senior Wealth Advisor, RJFS

Disclaimer: Any opinions are those of John Chidwick, Chuck Foresyth and Chip Munn and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. The information contained in this podcast does not purport to be a complete description of the securities, markets, or developments referred to in this material. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance may not be indicative of future results. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

"We’re about to ring the final closing bell for 2022, and what a year it’s been. Given the number of drastically bad events this year, like the war in Europe and near-record inflation, we’re lucky that it wasn’t worse for the stock market. Still, it’s likely going to go down as one of the worst years ever for the bond market, as well as for balanced stock and bond portfolios.

For the remainder of the year, I think conditions are favorable for the market to move higher. A lot will depend on what the Federal Reserve does and says regarding interest rates when it meets mid-month. Economic data has been very mixed, with some looking like the economy is slowing down, while others pointing to an economy, especially the labor market, that is very strong." -Signature Wealth Group's Chief Investment Officer, Scott Mitchell, brings us the December 2022 Market Update.

Disclaimer: Any opinions are those of Scott Michell, Jonathan Tait, and Chip Munn and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. The information contained in this podcast does not purport to be a complete description of the securities, markets, or developments referred to in this material. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance may not be indicative of future results. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

"As I’ve said before, this year has been especially difficult, as seemingly no investment strategy has worked. Both S&P 500 index of US stocks and the Barclays Aggregate Bond index are down more than 15% for 2022 as of November 8, and even gold is down this year. Within the stock market, only the energy (oil) sector has positive returns for the year. The other 10 sectors are all down, with communications services down an amazing 41%. Ordinarily, investors diversify their portfolios across stock, bonds, and alternatives since those assets tend to move in different directions, with the result being that investors experience a “smoother” experience. This year, though, that just hasn’t worked. " Signature Wealth Group's Chief Investment Officer, Scott Mitchell, brings us the August 2022 Market Update.

Disclaimer: Any opinions are those of Scott Michell, Jonathan Tait, and Chip Munn and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. The information contained in this podcast does not purport to be a complete description of the securities, markets, or developments referred to in this material. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance may not be indicative of future results. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

"A heightened sense of expectations creates a stressful holiday experience. We work so hard to make the holidays 'happy' for our families by making the perfect dinner, buying the best presents, or having the best decor. These heightened expectations are often the greatest source of our stress." - Dr. Kahn.

Dr. Kahn says that managing our expectations around the holidays and being willing to accept what happens will help us to have a more peaceful experience - not only during the holidays but in the rest of our lives. Focus on ways to make things good and find the positive. Use any unmet expectation to create an opportunity for good.

For example, if you have 10 people cancel last minute for your family dinner, make a trip to a local shelter and donate those meals to families in need. Changing the narrative and turning disappointment into opportunity takes practice, but it can be life-changing for you and those around you.

Thanksgiving Day, Christmas Day, and New Year's Eve are such special days, so the pressure builds on making things perfect on those days. With practice, we can remove the pressure from those days and become more flexible in enjoying the full holiday season with a positive attitude and optimistic perspective.

"We’ve seen a big and welcomed, rally in stock prices since the end of June. Since then, the S&P 500 index is up nearly 13%, and some of the laggards from early in the year have become the leaders. While that is great news, it still does leave the index down more than 10% for the year, and down about 4% over the past 12 months."

Signature Wealth Group's Chief Investment Officer, Scott Mitchell, brings us the August 2022 Market Update.

Disclaimer: Any opinions are those of Scott Michell, Jonathan Tait, and Chip Munn and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. The information contained in this podcast does not purport to be a complete description of the securities, markets, or developments referred to in this material. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance may not be indicative of future results. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

Recently divorced, Bobbie can envision a life for herself that she never had before – one filled with new paths to take and fresh opportunities for growth. But before she can set out, there are a few things she needs to consider as she reestablishes herself and her finances in light of her changing circumstances.

Facts about Bobbie:

• Bobbie is 61 years old and hopes to retire at 65 and utilize her Social Security benefits
• She has about $1.1 million in retirement accounts (401k and IRAs)
• Her home is paid off and is worth about $900,000
• She has little to no debt
• This brings her net worth to about $1.8 million

Bobbie’s Signature Life Plan shows:

• Spendable income of $30,000/year
• Selling her home and moving to a new city where she will purchase a new home
• The taxes and fees at her new home will cost her roughly $28,000/year
• The HOA at her new home will cover unexpected expenses that may occur
• She wants to take a trip every year for the next 20 years. Each trip will cost an average of $15,000.
• Bobbie's Confidence Number is 77

Listen now to hear the strategies and solutions Chip and Jon use to adjust Bobbie’s plan to meet her retirement goals.

Identity theft, financial fraud and persistent scamming are as prevalent as ever. Contending with these risks and safe-guarding your assets is challenging in its own right. But having adult children or aging parents to keep an eye on can make your financial caregiving responsibilities even harder.

Proactively spotting things like changes in spending and cash usage, use of dormant credit cards, missed deposits, suspicious vendors or real estate title and lien changes can stop exploiters before a lifetime of savings is depleted.