Author: Montecito Capital Management The United States has entered a financial period defined by a stark imbalance: the nation now carries more debt than the economy produces in an entire year, and that debt continues to grow faster than the
Author: Montecito Capital Management Liquidity is more than just cash in the bank; it is peace of mind. It is the safety net that allows you to weather unexpected emergencies without destabilizing your long-term investments. It is optionality — the
Author, Montecito Capital Management The market ended the week on a shaky note, with the S&P 500 and Dow each down around 1.9 percent, and the Nasdaq off roughly 2.7 percent. The week started with a bit of optimism, as
As recent as November 20th of 2025, founder of Montecito Capital Management, Kip Lytel, CFA was featured in International Business Journal. A few highlights are: Award-Winning Wealth Management Firm Built on Fiduciary Standard Continues Organic Growth “Since 2004, this Santa
Market Update & Our Portfolio Positioning (After Market 11/18/25) Author: Montecito Capital Management We wanted to share an update on recent market action, especially in light of the past couple of weeks’ volatility. In essence, after hitting recent highs, the
Author: Montecito Capital Management The week ending November 14, 2025, brought a mixed performance across the major U.S. equity benchmarks: the S&P 500 edged up about +0.1%, the Dow Jones Industrial Average rose approximately +0.3%, while the Nasdaq Composite slipped by
Author: Montecito Capital Management The U.S. stock market recently hit fresh all-time highs, but the rally has been narrowing and therefore more concentrated, raising important questions for investors. Much of the year’s gains have been driven by a handful
Author: Montecito Capital Management Businesses across the country are under increasing cost pressure, and many are now passing those higher costs on to consumers. According to the Federal Reserve’s latest Beige Book, companies continue to report elevated input prices
Author: Montecito Capital Management Introduction: Managing money can feel overwhelming at times—juggling bills, planning for the future, and still trying to enjoy life today. Many of us want financial stability without sacrificing the moments that make life meaningful. The
U.S. equities ended the week of November 8, 2025, with weaker retraction trends, as all three major indexes moved lower amidst a shift toward risk reduction. The S&P 500 fell about 1.6% for the week, the Dow declined roughly 1.2%,