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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
Market Insights: What 2026 Could Hold for the S&P 500 High Hopes, High Valuations: Can Earnings Deliver What the Market Already Believes? Author: Montecito Capital Management Summary: Analysts remain broadly optimistic that continued productivity gains, easing inflation, and potential
November: A Historically Strong Month for Stocks Author: Montecito Capital Management As we move into November, history offers a reason for cautious optimism. Looking back nearly a century, this month has delivered the strongest average returns of the year for
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
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
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