Breaking the Popular 60/40 Traditional Portfolio Mold: How Non-Traditional Assets Redefine Diversification in 2025 Authored by: Montecito Capital Management October 21, 2025 The Rise and Fall of the Traditional 60/40 Portfolio For decades, the 60/40 portfolio—60% stocks, 40% bonds—was the
How Much Do You Really Need to Retire? Why Location Matters More Than You Think Planning for retirement often raises the question: how much money is truly enough to live comfortably? While traditional advice focuses on a fixed savings target,
History Rhymes: Why Strong Earnings, Rate Cuts, and AI Could Drive the Next Leg Higher Author: Montecito Capital Management October 14, 2025 As the market heads into the final quarter of fiscal 2025 and looks ahead to FY26, investor sentiment
Inflation Heat Is Easing: What September’s CPI Means for Rates, Stocks, and the Road Ahead Author: Montecito Capital Management October 26, 2025 September 2025 CPI Report Shows Signs of Cooling Inflation The September 2025 Consumer Price Index (CPI) report delivered
Weekly Market Update, by Kip Lytel, CFA – Montecito Capital Management Driven by renewed investor confidence following cooler-than-expected inflation data, U.S. equity markets surged for the week ending October 24, 2025. The Consumer Price Index (CPI) came in at 2.3%
Defensive Income Strategies for Rising Rates & Bond Outflow Rotation In today’s financial landscape, investors—especially retirees—are facing a challenging environment marked by rising interest rates, bond market volatility, and shrinking income opportunities from traditional fixed-income sources. As capital continues to
The Savvy Parent’s Guide to Saving for Child Education: Understanding 529 Plans and Alternatives Author: Montecito Capital Management Saving for your child’s education can seem daunting at first, but starting early and making informed choices can simplify the journey. Tax-advantaged
October 17, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. For the week ending October 17, 2025, U.S. stock markets posted solid gains as investors grew more confident about the economy’s resilience and the potential
Smartly’ Diversify Your Portfolio with Different ETF Methodologies Authored by: Montecito Capital Management Investors need to understand that not all Exchange Traded Funds (ETFs) are created equal. Awareness of the weighting methodology of constituent stocks in ETFs is crucial for
Retiree Income Portfolios Hit Rough Patch: Why It’s Happening And What To Do Authored by: Montecito Capital Management Summary Three retiree portfolios facing different predicaments. Which retiree portfolios are impacted by rotational asset flow shifts? Macro events & policy changes: