Author: Montecito Capital Management Every January, Wall Street dusts off one of its oldest seasonal indicators: the performance of the first five trading days of the year. It may sound quaint in an era of AI trading models and high-frequency
Excerpts from MCM’s Proprietary 2026 CAPITAL MARKET FORECAST REPORT CAPITAL MARKET 2025 RECAP – LOOKING BACK The S&P 500’s 16.4% rise in 2025 capped a rare three-year stretch of double-digit gains, a performance powered by a convergence of supportive structural
Wall Street’s Rarely Seen Unity Heading Into 2026 Author: Montecito Capital Management Wall Street is approaching 2026 with an unusually confident tone. Recent outlooks for the S&P 500 reveal a tight cluster of bullish forecasts, with most major strategists pointing
What a Financial Advisor Actually Does — and Where They Add Value Author: Loveth Abu, Montecito Capital Management When people hear “financial advisor,” many think of someone who picks investments or watches the market for them. While investment selection is
Don’t Fight the Fed: Why a Multi-Year Rate Cut Cycle Could Power a Durable Bull Market Author: Montecito Capital Management When the Federal Reserve shifts from tightening to cutting, markets tend to respond in patterns that echo across decades. But
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 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 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 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