# Montecito Capital Management, Financial Advisory Firm


## Posts

- [The Hidden Wealth in Your Walls: Why More Retirees Are Turning to Reverse Mortgages](https://www.mcapitalmgt.com/blog/the-hidden-wealth-in-your-walls-why-more-retirees-are-turning-to-reverse-mortgages/): As retirees navigate the shifting landscape of financial security, many find themselves balancing rising living costs, healthcare needs, and the challenge of outliving their savings. For many households, the largest untapped source of wealth is the home itself. Reverse mortgages-financial tools that convert home equity into accessible cash-are becoming an increasingly valuable strategy for retirees who want to remain in their homes while strengthening their financial flexibility.     Why Reverse Mortgages Are Growing in Popularity The U.S. Census Bureau reports that nearly 80% of adults over age 65 own their homes, often free of traditional mortgage debt. According to the […]
- [Financial Fitness Planning: Building a Secure Future](https://www.mcapitalmgt.com/blog/financial-fitness-planning-building-a-secure-future/): Just as physical fitness requires consistent exercise and healthy habits, financial fitness relies on disciplined planning and regular checkups. Many people focus on earning money but neglect to create a long-term strategy for protecting, growing, and eventually distributing their wealth. Without a plan, it’s easy to overspend, under-save, or invest in ways that don’t align with your goals. Financial fitness planning bridges that gap. It provides a roadmap tailored to your life stage, family needs, and retirement goals—while also helping you adapt to economic changes, tax laws, and unexpected events. More than a one-time activity, it’s an ongoing process designed to […]
- [MCapitalMgt.com Reports Surge in Advisor Use of Liquid Alternative Assets for Client Portfolios](https://www.mcapitalmgt.com/blog/mcapitalmgt-com-reports-surge-in-advisor-use-of-liquid-alternative-assets-for-client-portfolios/): Over the past decade, there has been a notable rise in investor interest in alternative liquid investments, driven largely by heightened market volatility, historically low interest rates, and a desire for enhanced downside protection. These investments—often referred to as “liquid alternatives” or “liquid alts”—offer a unique middle ground between traditional mutual funds and hedge funds. They aim to provide investors with exposure to sophisticated strategies while preserving the accessibility and transparency that regulated investment vehicles are required to deliver. At their core, liquid alternatives are mutual funds or exchange-traded funds (ETFs) that employ investment techniques traditionally found in hedge funds, such […]
- [September 01st, 2025](https://www.mcapitalmgt.com/blog/september-01st-2025/): September 26, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The major equity indexes posted modest declines for the week, despite a rebound in Friday’s session, with the S&P 500 down 0.3%, the Dow slipping 0.1%, and the Nasdaq off 0.7%. Much of the weakness stemmed from a pullback in high-flying technology and momentum stocks—the so-called “Magnificent Seven”—after their recent strong gains. On the economic front, a revised estimate of second-quarter U.S. GDP showed growth stronger than initially reported, with consumer and business demand rising at a 2.9% annualized pace, consistent with the resilient trend seen […]
- [Weekly S&P 500 Stock Market Review Recap I For the Month of August 2025 I Kip Lytel CFA, Montecito Capital Management](https://www.mcapitalmgt.com/blog/weekly-sp-500-stock-market-review-recap-i-for-the-month-of-august-2025-i-kip-lytel-cfa-montecito-capital-management/): August 29, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The S&P 500 has marked its fourth consecutive month of gains, closing above the 6,500 mark for the first time on Thursday. The Dow rose by more than 3% in August, while the S&P 500 increased nearly 2% for the month. The Nasdaq, which is heavily focused on technology, advanced by 1.6% in August. Traders estimate that there is roughly an 87% chance the central bank will cut its benchmark interest rate by a quarter percentage point next month, according to CME Group data. Additionally, […]
- [Weekly S&P 500 Stock Market Review Recap I For the Month of July 2025 I Kip Lytel CFA, Montecito Capital Management](https://www.mcapitalmgt.com/blog/weekly-sp-500-stock-market-review-recap-i-for-the-month-of-july-2025-i-kip-lytel-cfa-montecito-capital-management/): July 25, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The stock market has reached a new record high, driven by positive sentiment regarding trade negotiations between the U.S. and Europe. The Dow recorded a weekly increase of 1.3%, while the Nasdaq and S&P 500 saw rises of 1.2% and 1.6%, respectively. The S&P 500 achieved its fifth consecutive record closing high on Friday, and the Nasdaq Composite, which is heavily weighted towards technology, also reached a new all-time high. This week, Wall Street’s spirits were lifted by a trade agreement between the U.S. and […]
- [Weekly S&P 500 Stock Market Review Recap I For the Month of June 2025 I Kip Lytel CFA, Montecito Capital Management](https://www.mcapitalmgt.com/blog/weekly-sp-500-stock-market-review-recap-i-for-the-month-of-june-2025-i-kip-lytel-cfa-montecito-capital-management/): June 27, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The S&P 500 wrapped up the week approaching its former record high, as optimism grew from trade negotiations and the likelihood of a Federal Reserve rate cut. Furthermore, stocks advanced as markets reacted positively to encouraging news after several days marked by Middle Eastern tensions and fluctuating tariff concerns. The S&P 500 has gained more than 20% since it reached a low point on April 8 and is now nearly 5% up for the year. During this time, investors have continued to buy, even in […]
- [Weekly S&P 500 Stock Market Review Recap I For the Month of May 2025 I Kip Lytel CFA, Montecito Capital Management](https://www.mcapitalmgt.com/blog/weekly-sp-500-stock-market-review-recap-i-for-the-month-of-may-2025-i-kip-lytel-cfa-montecito-capital-management/): May 30, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The S&P 500 marked the best month of May in 30 years driven by Wall Street’s optimism regarding tariff relief, with a notable increase of 6.2%, the highest since November 2023. The Dow added 3.9% over the month, while the Nasdaq experienced a significant rise of 9.6%. May began with a tumultuous start for stocks, as President Trump’s unpredictable trade policies kept investors on high alert. However, his softened stance on tariffs, coupled with positive earnings and moderate inflation data, enabled the S&P 500 to […]
- [Weekly S&P 500 Stock Market Review Recap I For the Month of April 2025 I Kip Lytel CFA, Montecito Capital Management](https://www.mcapitalmgt.com/blog/weekly-sp-500-stock-market-review-recap-i-for-the-month-of-april-2025-i-kip-lytel-cfa-montecito-capital-management8721958/): April 25, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The three major stock market indices experienced an increase over the week, marking their second week of gains out of the last three. The S&P 500 rose by 4.6%, while the Nasdaq saw a rise of 6.7%. Although the Dow lagged behind, it still achieved a weekly gain of 2.5%. Throughout the week, market fluctuations were influenced by news regarding tariff regulations, the autonomy of the Federal Reserve, and trade discussions between the U.S. and China. The inconsistent communication surrounding trade issues has contributed to […]
- [April 4, 2025, US Tariffs Cause Stock Market Upheaval, Damaging Retirement Portfolios Across America I Potential Future Risks, Portfolio Strategies & Expectations I Special Edition Advisor Commentary](https://www.mcapitalmgt.com/blog/april-4-2025-us-tariffs-cause-stock-market-upheaval-damaging-retirement-portfolios-across-america-i-potential-future-risks-portfolio-strategies-expectations-i-special-edition-advisor-commentary/): S&P 500 lost $5 trillion in two days in tariff selloff, exceeding a two-day loss of $3.3 trillion in March 2020 when the pandemic ripped across global markets. The S&P 500 fell 10.5% across Thursday and Friday, the index’s worst 2-day stretch since March 2020 and its third worst since the turn of the century. Similarly, the Nasdaq plunged 11.4% and the Dow 9.3% marking their worst 2-day stretch since March 2020. Insofar as tariffs were expected to be announced by the Trump Administration, the breadth and severity of the levies dwarfed those imposed by Trump during his first term, threatening […]
- [Weekly S&P 500 Stock Market Review Recap I For the Month of April 2025 I Kip Lytel CFA, Montecito Capital Management](https://www.mcapitalmgt.com/blog/weekly-sp-500-stock-market-review-recap-i-for-the-month-of-april-2025-i-kip-lytel-cfa-montecito-capital-management/): April 1, 2025, Monthly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The S&P 500 and the Nasdaq Composite recorded their worst quarterly results since 2022 on Monday, as the uncertainty surrounding the economic agenda of the Trump administration disrupted U.S. equity markets in the first quarter of 2025. The S&P 500 declined by 4.6% for the quarter, while the Nasdaq Composite dropped by 10.5%. The Dow Jones Industrial Average also fell, decreasing by 1.3% during the first three months. In March, both broad equity market indices and technology benchmarks experienced significant downturns, with their largest monthly percentage […]
- [Weekly S&P 500 Stock Market Review Recap I For the Month of March 2025 I Kip Lytel CFA, Montecito Capital Management](https://www.mcapitalmgt.com/blog/weekly-sp-500-stock-market-review-recap-i-for-the-month-of-february-2025-i-kip-lytel-cfa-montecito-capital-management/): March 28, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. As reciprocal tariffs loom, the Dow Jones, S&P 500, and Nasdaq recorded their worst performance in nearly three weeks, driven by inflation and consumer sentiment reports. This resulted in a weekly decline for stocks, further deepening March’s losses. The S&P 500 fell by 1.53% this week, while the Dow, which consists of 30 stocks, decreased by 0.96%. The Nasdaq experienced a more substantial decline of 2.59%. Consequently, the Nasdaq is now projected to face a monthly drop of over 8%, which would represent its most […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Review Recap I For the Month of February 2025 I Montecito Capital Management](https://www.mcapitalmgt.com/blog/kip-lytel-cfa-weekly-sp-500-stock-market-review-recap-i-for-the-month-of-february-2025-i-montecito-capital-management/): February 21, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. Stocks experienced a reversal of their weekly gains on Friday as investors became more cautious in response to signs of an underperforming economy. The Dow and Nasdaq fell by 2.5%, while the S&P 500 Index saw a decrease of 1.7% for the week. The University of Michigan reported that consumer sentiment in February dropped to 64.7 from 67.8 earlier in the month, reaching its lowest level since November 2023. This decline represents nearly a 10% decrease from January. Further compounding worries were indicators of weaknesses […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Review Recap I For the Month of January 2025 I Montecito Capital Management](https://www.mcapitalmgt.com/blog/kip-lytel-cfa-weekly-sp-500-stock-market-review-recap-i-for-the-month-of-january-2025-i-montecito-capital-management/): January 24, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. Following a notable sell-off in the previous week, the S&P 500 and Nasdaq made a strong recovery, ending the week with a gain of 1.7%.   ​Throughout the week, investor sentiment was bolstered by positive expectations surrounding robust corporate earnings, advancements in artificial intelligence, and the business-friendly initiatives being implemented by the new Trump administration. Investors are now focused on the forthcoming Federal Reserve monetary policy meeting scheduled for next week. January 18, 2025, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Review Recap I For the Month of December 2024 I Montecito Capital Management](https://www.mcapitalmgt.com/blog/kip-lytel-cfa-weekly-sp-500-stock-market-review-recap-i-for-the-month-of-december-2024-i-montecito-capital-management/): December 27, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. Despite a notably poor performance on Friday, the S&P 500 and Nasdaq both achieved a weekly gain of 1.8%, while the Dow Jones recorded an increase of 1.5%. U.S. consumer confidence dropped to its lowest point since September, with a December reading of 104.7, down from November’s 111.7 and below the expected 113.2. While new jobless benefit applications in the U.S. have remained consistent, claims have surged to a three-year high. The Dot Plot forecast anticipates only two rate cuts in the forthcoming year, while […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Review Recap I For the Month of November 2024 I Montecito Capital Management](https://www.mcapitalmgt.com/blog/kip-lytel-cfa-weekly-sp-500-stock-market-review-recap-i-for-the-month-of-november-2024-i-montecito-capital-management/): November 30, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. In the holiday-shortened trading week, the Dow recorded a gain of 1.4%, while the S&P 500 and Nasdaq both increased by 1.1%. This rebound in the major indices followed a downturn in October, spurred by positive sentiment regarding Donald Trump’s decisive win in the early-November presidential election. The S&P 500 and Dow Jones wrapped up November with notable monthly increases of 5.7% and 7.5%, respectively, marking their most significant one-month gains of the year. The Nasdaq Composite also saw a rise of 6.2% this month, representing […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Review Recap I For the Month of October 2024 I Montecito Capital Management](https://www.mcapitalmgt.com/blog/october-01st-2024/): October 25, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The S&P 500 concluded the week with a decline of 1%, representing its first setback following a six-week period of gains. The stock market is facing challenges as renewed uncertainties regarding the Federal Reserve’s interest rate strategy dampen investor enthusiasm for risk. Nevertheless, consumer sentiment has improved for the third month in a row, reaching its highest level since April 2024, as reported by the University of Michigan’s Survey of Consumers. The Consumer Sentiment Index increased to 70.5 in the October 2024 survey, rising from […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Summary, Month Sept 24](https://www.mcapitalmgt.com/blog/kip-lytel-cfa-weekly-sp-500-stock-market-summary-month-sept-24/): September 27, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. After two weeks of robust stock market gains, the S&P 500 managed to achieve a modest return of 0.62%, while still concluding its third consecutive week of positive performance. The consumer price index in the United States experienced an increase of 3.4% for the year ending in April, a slight decrease from the 3.5% recorded in March, aligning with market expectations. In April specifically, prices rose by 0.3%, a deceleration compared to the 0.4% increase observed in March. Additionally, core inflation in the United States […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Summary, Month Aug 24](https://www.mcapitalmgt.com/blog/kip-lytel-cfa-weekly-sp-500-stock-market-summary-month-aug-24/): August 30, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA, Montecito Capital Management. The stock market ended the week and the month positively, buoyed by economic data that suggests a “just-right” Goldilocks economy, characterized by stable growth and moderated inflation. The Dow Jones Industrial Average rose by 0.6%, marking a record high for the fourth time this week. In addition, the S&P 500 and Nasdaq Composite saw increases of 1% and 1.1%, respectively. The Gross Domestic Product (GDP), an indicator of economic growth, advanced at an annualized rate of 3% during the second quarter, an improvement from the […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Summary, Month July 2024](https://www.mcapitalmgt.com/blog/kip-lytel-cfa-weekly-sp-500-stock-market-summary-month-july-2024/): July 26, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA. The S&P 500 and Nasdaq indexes both experienced consecutive weekly losses for the first time since April, with the US broad market equity index dropping by 0.8% and the tech-Nasdaq falling by 2.1%. The U.S. economy saw a growth of 2.8% in the second quarter, surpassing expectations. Despite the prevailing belief that the economy was slowing down, the Q2 growth marked a significant increase from 1.4% in Q1 and exceeded market expectations by nearly a percentage point. Consumer spending has consistently grown by around 2.3% on a year-over-year […]
- [Kip Lytel CFA Weekly S&P 500 Stock Market Summary, Month June 2024](https://www.mcapitalmgt.com/blog/kip-lytel-cfa-weekly-sp-500-stock-market-summary-month-june-2024/): June 28, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA. Stocks closed the week with mixed results, but an overall strong showing for the month of June 2024.  For the week, the Nasdaq led with +0.8% followed by the S&P 500 adding 0.2%, while the Dow declined 0.5%. Last month’s inflation figure came in sluggish, slowing to its lowest annual rate in more than three years while CPI was essentially flat last month, or just 2.6% from the prior year. As depicted in the below chart, for the month of June, all equity indices finished resoundingly in the […]
- [Weekly Stock Market Summary, Kip Lytel CFA I S&P 500 May 2024](https://www.mcapitalmgt.com/blog/weekly-stock-market-summary-kip-lytel-cfa-i-sp-500-may-2024/): May 24, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA. The S&P 500 narrowly missed breaking its previous record set on Tuesday, but still managed to achieve a fifth consecutive week of gains, eking out 0.03%. The Dow Jones Industrial Average experienced a sharp loss of 2.3%, whereas the Nasdaq composite soared by 1.4% to surpass its previous all-time high established earlier in the week. The inflationary overhang continues to weigh on stocks, which is problematic for the Fed reserve. US business activity accelerated to the highest level in just over two years in May, with the US […]
- [Weekly Stock Market Summary, Kip Lytel CFA I S&P 500 April 2024](https://www.mcapitalmgt.com/blog/weekly-stock-market-summary-kip-lytel-cfa-i-sp-500-april-2024/): April 26, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA. For the week, US equities snapped its losing streak with the Nasdaq soaring 4.2%, followed by the S&P 500 +2.7% and the Dow Jones finishing up 0.7%. The markets were fueled by powerful earnings from Google and Microsoft and encouraging inflation data. The U.S. GDP grew at a 1.6% annualized rate in Q1, below expectations, while the core Personal Consumption Expenditures (PCE) Price Index came in at 3.7% annualized. Consequently, the reemergence of the “stagflation” topic reverberated through the markets. The stock market is also supported by the […]
- [Weekly Stock Market Summary, Kip Lytel CFA I S&P 500 March 2024](https://www.mcapitalmgt.com/blog/weekly-stock-market-summary-kip-lytel-cfa-i-sp-500-march-2024/): March 29, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA. For the week, US stock indices finished mixed with both the S&P 500 and Dow Jones advancing 0.39% and 0.84%, respectively, with the Nasdaq slipped 0.3%. For the month of March, all stocks indices rallied: the Dow +2.08%, the S&P +3.1% and the Nasdaq added 1.79%. For the quarter, the Dow gained 5.62%, the S&P 500 jumped 10.16% and the Nasdaq shot up 9.11%.  During the week, Fed Chair Jerome Powell commented on an important new inflation report: “along the lines of what we want to see” but […]
- [Weekly Stock Market Summary, Kip Lytel CFA I S&P 500 February 2024](https://www.mcapitalmgt.com/blog/weekly-stock-market-summary-kip-lytel-cfa-i-sp-500-february-2024/): February 16, 2024, Weekly Stock Market Return Recap, by Kip Lytel CFA. After five straight weeks of positive stock moves, the equities took a breather on renewed inflation concerns.  The S&P 500 declined 0.4% and the Nasdaq dropped 1.3% on the week, while the Dow finished 0.1% down on the week. A hot Producer Price Index (PPI) number sent jitters among some market watchers, with an unexpected 0.3% January increase. Core PPI, which excludes food, energy, and trade services, jumped 0.6%, its largest increase in a year.   February 3, 2024, Weekly Stock Market Return Recap. Bolstered by robust earnings from tech […]
- [Weekly Stock Market Summary, Kip Lytel CFA I S&P 500 January 2024](https://www.mcapitalmgt.com/blog/weekly-stock-market-summary-kip-lytel-cfa-i-sp-500-january-2024/): January 26, 2024, Weekly Stock Market Return Recap. All US equity indexes finished the week in the green, lead by the S&P 500 +1.1%, followed by the Nasdaq +0.9% and the Dow Jones +0.7%. On the economic front, core inflation, which excludes volatile food and energy prices, slowed to 2.9%, a sharper decline than economists were expecting and the most muted rate since March 2021. The market has been uplifted on the year with data showing the ideal scenario for stocks, one where you have both a resilient economy and moderating inflation all which elevate hopes that the Federal Reserve rate […]
- [2023 Stock Market Recap I S&P 500 2023 Returns & Insights](https://www.mcapitalmgt.com/blog/2023-stock-market-recap-i-sp-500-2023-returns-insights/): The year of 2023 was a year for growth stocks, but many other equity sectors participated by ending on a positive note. Notably, the technology communication growth sector’s sharp outperformance is unusual because normally when you have a bear market, the leadership for the next bull market is different. Insofar as the S&P 500 finished the year up 26%, it was largely propelled by two sector leaders: Information Technology, up an astounding 58%, and Communication Services close behind, up 56%. Conversely, Utilities and Energy posted -7% and -1% losses on the year, while Consumer Staples and Healthcare were laggards at […]
- [Weekly Stock Market Summary, Kip Lytel CFA I S&P 500 December 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-summary-kip-lytel-cfa-i-sp-500-december-2023/): December 22, 2023, Weekly Stock Market Return Recap.  For the week, the S&P 500 rose 0.75% and the Nasdaq gained 1.2%, while the Dow Jones mildly inched up 0.2%. The US equity market continues to be supported by cooling inflation data, including the most recent Personal Consumption Expenditure Index which came in at only +0.2% in October, sharply down from 0.7% reported in the previous month. Investor sentiment is encouraged by ongoing indicators suggesting the Fed can prospectively initiate an easing of Fed rates in 2024 given inflationary pressures continue to show signs of weakening.   December 15, 2023, Weekly Stock Market Return Recap. The Dow Jones […]
- [Weekly Stock Market Recap I S&P 500 November 2023 Summary](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-november-2023-summary/): November 24, 2023, Weekly Stock Market Return Recap. For the short holiday week, the S&P 500 and Nasdaq both rose about 1%, with the surprise leader being the Dow Jones, finishing up 1.3%. The percentage of bullish investors increased to 45.3%, coming in above the historical long-term average of 37.5%, which coincides with the $40 billion money flowing back into stocks. This dollar flow into equities marks the biggest two-week inflow since February 2022. The week was also assuaged by geopolitical events of Israel and Hamas starting a four-day ceasefire on Friday, which included an incremental daily return of hostages held by […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary Oct 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-oct-2023/): October 27, 2023, Weekly Stock Market Return Recap. All three major stock indexes registered steep weekly losses, led by the Nasdaq -2.6% followed by S&P 500 and the Dow Jones, -2.5% and -2.1%, respectively. Two of the largest market capitalization stocks in the Nasdaq, Facebook’s Meta Platforms and Google-parent company Alphabet, disappointed the markets with earnings and were sharply down for week. Overall, stocks have hit a technical correction with the S&P 500 down over 10% from its yearly high. With about half of the S&P 500 stocks having now reported, shares of companies that disappointed analysts’ estimates on the earnings-per-share metric have seen their stock underperform […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary Sep 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-sep-2023/): September 29, 2023, Weekly Stock Market Return Recap. The UAW strike talks with leading auto companies, inflation data and the government debt ceiling concerns continued to be an overhang on stocks for the week, and the month overall. For the week the S&P 500 finished down 0.7% and the Dow off by 1.3%., while the Nasdaq ended about flat for the week. The S&P 500 ended the month down 4.9% and the quarter lower by 3.7%. The Nasdaq Composite was off 5.8% in September, and down 4.1% for the quarter. Both posted their worst months this year. A key inflation metric, […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary August 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-august-2023/): August 25, 2023, Weekly Stock Market Return Recap. After three weeks of equity market losses, the US stock market indexes finished in the green for the week: The S&P 500 finished +0.8%, the Dow Jones gained 0.73% and the Nasdaq close the week up 0.94%. The market took refuge in that Powell’s Jackson Hole speech was not overly hawkish while he also noting economic strength: “The economy may not be cooling as expected. So far this year, GDP (gross domestic product) growth has come in above expectations and above its longer-run trend… The message is the same: It is the Fed’s […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary July 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-july-2023/): July 28, 2023, Weekly Stock Market Return Recap. For the week the S&P 500 finished up 1%, the Dow +0.7% and the Nasdaq +2%. The equity markets continue to be propelled by positive job reports, high consumer confidence, consumer spending, corporate earnings and higher than expected 2nd quarter GDP numbers. The Federal Reserve hiked the target range for its benchmark interest rate by 0.25% on Wednesday and left the door open to more rate increases. The rate hike increased the interest range to 5.25% and 5.5%, the highest level since March 2001.  The Fed reiterated in their view on inflation as “elevated,” and they […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary June 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-june-2023/): June 23, 2023, Weekly Stock Market Return Recap. The stock market reacted negatively to Fed Chair Powell’s statements this week with the S&P 500 and Nasdaq both ending down 1.4% and the Dow Jones falling 1.8%. The broad market index of the S&P 500 decline was the largest since March with most trade days finishing in the red on the week. Powell’s remarks at a House Financial Services Committee hearing Wednesday were perceived as hawkish, characterized with statements “The process of getting inflation back down to 2 percent has a long way to go” and “Nearly all FOMC participants expect […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary May 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-may2023/): May 26, 2023, Weekly Stock Market Return Recap. The US equity markets finished mixed for the week on cross currents of news, with the Nasdaq and S&P 500 up 2.5% and 0.3%, respectively, while the Dow Jones lost 0.1%. The Fed’s attempt to slow the US economy received pushback on consumer spending news with a spending increase by 0.8% in April, marking an uptick in pace after two months of modest 0.1% gains. Also, technology stocks got a huge boost with Nvidia’s (NVDA) blowout financial performance and guidance of robust future growth in artificial intelligence (AI). Also, toward the end of […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary April 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-april-2023/): April 28, 2023, Weekly Stock Market Return Recap. Boosted by the strength of mega caps, the S&P 500® posted a positive 2% return in April, outpacing smaller cap stocks.  However, almost one-half of that return was driven by only two sectors, Communications and Information Technology, which indicates that sector breadth is still narrow with many sectors lagging. As we enter the second quarter (Q2), inflation and the Fed remain at center stage, but with added worry of brewing problems with bank reserves, future bank lending and existing commercial loan portfolios. Morgan Stanley Chief Investment Officer Mike Wilson wrote a recent note on major near-term risk […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary March 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-march-2023/): March 24, 2023, Weekly Stock Market Return Recap. The S&P 500 dropped as much as 1% in early Friday trading, the most in a week, reverse into positive territory to close +0.57% on the week. Likewise, the Dow Jones Industrial and technology-laden Nasdaq Composite ended the week up +0.4% and +0.3%, respectively. The Federal Reserve raised interest rates by a quarter of a point and changed guidance to indicate that the end of increases is near. Previously, the Fed has included a line in its statement that its policy-making committee expected “ongoing increases” in the Fed Funds rate, but the line […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary Feb 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-fen-2023/): February 24, 2023, Weekly Stock Market Return Recap. The markets continued to be rattled by lingering inflation as recent economic data has increased expectations that the Fed will have to move higher and hold interest rates at higher rates for an extended period. The US major equity averages all ended the week with their biggest losses in 2023. The S&P 500 was down 2.7%, marking not only its third weekly loss but its worst week since Dec. 9th of last year. The Dow fell almost 3.0% this week — its fourth straight losing week. The Nasdaq closed 3.3% lower, notching […]
- [Weekly Stock Market Recap I S&P 500 Monthly Summary Jan 2023](https://www.mcapitalmgt.com/blog/weekly-stock-market-recap-i-sp-500-monthly-summary-jan-2023/): January 28, 2023, Weekly Stock Market Return Recap. For the week, the Dow finished up 1.8%, the S&P 500 added 2.5%, and the Nasdaq soared 4.3%. The Commerce Department’s latest Personal Consumption Expenditures (PCE) Price Index showed inflation eased with prices only rising 4.4% from a year ago. The market is also reacting to disparate regional Fed Bank comments, ranging from hawkish to dovish, but most recently St. Louis Fed Bank President James Bullard said the central bank is close to achieving restrictive monetary policy and he favors interest rates topping 5% sooner than later. On the corporate earnings front, FactSet noted: “The Q4 earnings season for the […]
- [Investment Insights & Financial Facts for the Month of February](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-february6698027/): -February 24, 2017 Weekly Market Roundup. U.S. equity markets continued hitting records this week — including 10 day record of closing highs in a row for the Dow Jones as of 23 February. The U.S. equity market climbed modestly higher in a holiday-shortened week. Investors gravitated towards conservative areas of the market, with utilities being the strongest performers followed by consumer staples companies, such as food and beverages.  With the fourth quarter earnings season now behind us and a relatively light week of corporate headlines, investors’ were squarely focused on the new Administration’s corporate tax reform. Equity markets remain optimistic that Trump will cut taxes, reduce regulation […]
- [Investment Insights & Financial Facts for the Month of January](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-january5467424/): -January 27th, 2017 Weekly Market Roundup. The S&P 500 finished for a weekly gain of +1.0%, the NASDAQ was up +1.9% during the week and the Dow Jones Industrial Average Index closed above 20,000 for the first time ever this week. As of today (with 34% of the companies in the S&P 500 reporting actual results for Q4 2016), 65% of S&P 500 companies have beat the mean EPS estimate and 52% of S&P 500 companies have beat the mean sales estimate. For Q4 2016, the blended earnings growth rate for the S&P 500 is 4.2%. Also, the CBOE Volatility Index, the so-called […]
- [Investment Insights & Financial Facts for the Month of December](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-december/): -December 30th, 2016 Weekly Market Roundup. Markets declined in the final week of the year on light trading volume over the holiday.  Indeed, the Dow Jones Industrial Average recorded its first weekly loss since the presidential election. Nevertheless, the Trump election rally has propelled the major indices to impressive gains in 2016. For the year, the S&P 500® Index rose +9.5% and the NASDAQ advanced +7.5%.  However, 2016 did not lift all boats, with typical safe haven equity sectors down, with healthcare finishing down by over -4% and consumer staples ending essentially flat for the year. Meanwhile, U.S. government bonds declined for the second consecutive […]
- [Investment Insights & Financial Facts for the Month of November](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-november/): -November 25th, 2016 Weekly Market Roundup. Equities continued their post-election rally as major indexes reached record highs Friday and have risen in each of the past three weeks.  The S&P 500 Index finished the quarter with a gain of +3.9%. However, the performance gap between the best-&-worst-performing sectors during the quarter was more than 16%. Information technology, financials, and industrials were the strongest performers, delivering gains of +12.9%, +4.6% and +4.1%, respectively. The telecommunications services, utilities, and consumer staples sectors were the poorest relative performers, posting losses of -5.6%, -5.9% and -2.6%, respectively.  Hence, the latter sectors are largely viewed as dividend […]
- [Investment Insights & Financial Facts for the Month of October](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-october3349354/): -October 28th, 2016 Weekly Market Roundup. Stock indexes were mixed on the week as the Dow Jones Industrial Average increased marginally, while the S&P 500 fell as the upcoming U.S. elections weighed on sentiment despite generally better-than-expected corporate earnings and economic data/ The initial estimate of third quarter GDP (2.9%), the strongest pace in two years, exceeded both the 2.5% forecast and the second quarter’s somewhat anemic 1.4% growth rate. Of the 293 companies in the S&P 500® Index that have reported results, 73% have exceeded analysts’ earnings per share estimates and 57% have exceeded analysts’ sales estimates.  For the quarter, […]
- [Investment Insights & Financial Facts for the Month of September](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts/): -September 30th, 2016 Weekly Market Roundup. The S&P 500 gained 0.2% for the week, but shed 0.1% for the month. The benchmark index advanced 3.3% during the third quarter, underperforming the Nasdaq (+0.8%), which climbed 9.7% in Q3 and gained 1.9% in September. Technology sector stocks had a particularly good quarter.  Economic growth in the second quarter was revised slightly higher by the US Bureau of Economic Analysis. -September 23rd, 2016 Weekly Market Roundup. Markets rallied this week, with most of gains delivered after the Federal Reserve decided to delay its next rate hike until at least December – even though there […]
- [Investment Insights & Financial Facts for the Month of August](https://www.mcapitalmgt.com/blog/august-05th-2016/): -August 26th, 2016 Weekly Market Roundup. The U.S. Equity Market ended the week unchanged in another quiet summer week.  The best performing sectors were materials and financials, while the worst performing sectors were health care and consumer staples. Trading activity remained light and price volatility was non-existent. In fact, the broad equity market (S&P 500) has not posted a 1% daily price change in the last 35 trading days. Fed Funds futures place the odds of a September rate increase at 30% (up from 21%) and a December increase at 60% (up from 52%).  –August 20th, 2016 Weekly Market Roundup. Equity markets were […]
- [Investment Insights & Financial Facts for the Month of July](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-july/): -July 29, 2016 Weekly Market Roundup. 2nd quarter earnings continued to outpace expectations with 8-of-10 companies beating consensus estimates. The S&P 500 index was flat for the week, while the Dow Jones Industrial Average fell -0.7%.  Driven by strong corporate earnings, the tech stocks of NASDAQ Composite jumped +1.3% for the week.  The higher beta small-cap stocks outperformed large-cap stocks. In terms of style, large-cap growth stocks outmatched large-cap value stocks. The best performing sectors were tech and health care, while the worst performing sectors were energy & consumer staples. The last week of July was unchanged in the corporate […]
- [Investment Insights & Financial Facts for the Month of June](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-june/): -June 26th, 2016. Don’t Panic! After Friday’s sharp sell of -3.5% to 4% in the US markets and over -7% for many international markets, we are closely monitoring equity index futures for Monday’s market open.  The US equity futures markets currently show Monday’s opening to be in the -4% range. We already have solid risk-control portfolio hedges in play, but should next week show extreme negative sentiment that is long-term in nature – as opposed to a short-term jolt – then we are prepared to increase allocations toward treasury bonds, gold ETFs and funds that perform well in negative market volatility. However, […]
- [Investment Insights & Financial Facts for the Month of May](https://www.mcapitalmgt.com/blog/may-01st-2016/): –May 27th Weekly Roundup Update: US equities finished higher for the week with all major indices generating positive returns above 2% across the board. Firmer oil prices helped, with West Texas Intermediate touching $50 this week. The resilience of the underlying economy to falling energy prices can be seen in the Unemployment Rate, which declined to 3.93% in April, the lowest since September 2008.  US economic output advanced at a still-sluggish 0.8% annual rate, according to the US Bureau of Economic Analysis. Growth in the second quarter looks to be a bit more robust, with growth estimates running around 2.5%. […]
- [Investment Insights & Financial Facts for the Month of April](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-april/): -April 29th Market Weekly Roundup Update: Markets barely stayed afloat for the week after disappointing earnings results from high profile technology companies put downward pressure on the broader market.  Apple (AAPL), the largest constituent of the S&P 500® Index (2.9% weighting), fell over -11% for the week after reporting its first quarterly sales decline in 13 years. About 60% of the S&P 500® Index has reported financial results with 74% exceeded earnings estimates and 55% exceeded sales -April 22nd Market Weekly Roundup Update: Markets continued to edge higher on generally better-than-expected corporate earnings results and rising crude oil prices (more on this below).  The […]
- [Investment Insights & Financial Facts for the Month of March](https://www.mcapitalmgt.com/blog/march-01st-2016/): -As hard as it was to believe that the S&P 500 was down more than 10% on the year on 2/11, it was even more unfathomable that by the end of Q1 the S&P 500 would have erased all of those losses and be flat, or even up, on the year at some point before 3/31. Going back and looking at prior years where the S&P 500 saw 10% moves to both the upside and downside in the span of the first quarter, On average, the index has seen a gain of 28.3% (median: +32.0%) for the remainder of the year […]
- [Investment Insights & Financial Facts for the Month of February](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-february/): -Feb 26th market weekly roundup update:  On the heels of U.S. crude oil prices gaining over 3.5% and with second estimate for fourth quarter GDP increasing to 1%, US equity markets gained for the second straight week as concerns of a potential recession eased.  Most major indices are on track to post gains for the month with markedly reduced volatility; the results are a stark contrast to the turbulent 5+% decline in January. Another economic data set was also positive with new and existing home sales activity, while volatile, continued its trend upward.  -Feb 19th market weekly roundup update:  The markets had the best […]
- [Investment Insights & Financial Facts for the Month of January](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-january/): -Stocks ended the week sharply higher with a Friday surge, capping two consecutive weekly gains for the month.  Markets were boosted by Japan’s surprise interest rate cut, pockets of encouraging earnings reports, a better-than-expected Chicago PMI report and some stabilization in oil prices also helped push equities higher.  Nonetheless, even after this week’s rally, the equity markets posted worst January since 2009 with S&P 500, falling -5.07% for the month.  Much of the prolonged market’s negative sentiment has been directed at China. -History shows it doesn’t take very long for market corrections (declines of greater than 10% but less than 20%) to […]
- [Investment Insights & Financial Facts for the Month of December](https://www.mcapitalmgt.com/blog/december-02nd-2015/): -True Cost of Financial Advice: Merrill Lynch Most Expensive.  Investors are often unaware how much they pay for financial advice, but the difference over 30 years of investing among different brokerages can amount to close to half a million dollars, according to a survey cited by WealthManagement.com. The most expensive advice comes from Merrill Lynch, which charges an average combined total of 1.98%.  TD Ameritrade is also amongst the most expensive as far as just advisor fees, with 1.53%. -For the week ending Dec 18th, the anticipation surrounding the Fed’s decision boosted stocks early in the week, but the equity markets […]
- [Investment Insights & Financial Facts for the Month of November](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-of-november/): -The third week of November results: Markets demonstrated resilience in the wake of last week’s terror attacks in Beirut and Paris. U.S. markets posted their strongest session in three weeks, with all 10 major S&P 500 sectors trading higher. Our outlook for the global and U.S. economy have not changed based on the events. -The second week of November results: Markets fell sharply to snap six consecutive weeks of gains.  All major indices posted broad-based declines, with consumer and energy stocks leading the underperformers.  The retail sector, in particular, came under pressure following poor earnings results. Market volatility will likely persist so […]
- [Investment Insights & Financial Facts for the Month of October](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-october/): -U.S. economic GDP growth has trucked along in the 2% range with low rates of unemployment; but job growth is still limited to service sector jobs which pay lower wages. Reported inflation has been muted and commodity prices have largely be in free fall. The Federal Reserve is poised to nudge interest rates, but has deferred making the first increase given fragile global economic pressures. -Early indications from the third quarter earnings season point to resilient corporate profits despite concerns about global economic growth.  Of the 58 companies in the S&P 500® Index that have reported results, 81% exceeded EPS estimates […]
- [Investment Insights & Financial Facts for the Month of September 2015](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-september/): -Yellen’s FOMC forward looking rate guidance statement was not as hawkish as expected with keeping “Considerable Time.” -Central banks (e.g. Fed Reserve, European Central Bank, etc.) are less likely to effectively contain volatility and markets need to price-in these considerations.  For example, according to one of the leading investment strategist in which we turn to, El-Erian: “The broker-dealers have gotten smaller and will continue to get smaller. The end users have gotten bigger.  People actually believe that they can rationally bubble ride until the turn. When the turn comes, they actually believe they’re going to reposition themselves. History tells us that there […]
- [Investment Insights & Financial Facts for the Month of August 2015](https://www.mcapitalmgt.com/blog/investment-insights-financial-facts-for-the-month-of-august-2015/): -Stock market corrections, technically defined as -10%+ drops, are natural and typically occur every 18 months or so – the last one was four years ago.  All sectors are off over -2% today.  We are finally finding some bargains in healthcare & consumer staples today – these sectors are more resilient during sharp market drops. -Markets capped a week of Aug 21st with volatile sharp selloffs on Thursday and Friday.  All major indices declined in the worst week of trading since 2011 and are now in negative territory for the year; notably, the Dow Jones Industrial Average, the NASDAQ, and the Russell 2000® […]
- [Investment Insights & Financial Facts for the Month of July 2015](https://www.mcapitalmgt.com/blog/financial-facts-of-the-week/): -S&P 500 Dividend Aristocrats (NOBL) made up of companies that have increased their dividends every year for the last 25, has beaten the regular 500 index for the past five years, winning 18.41% over the latter’s 16.91%, while over 10 years the total return was 10.61% and the S&P 500’s was 8%.  For example, Becton Dickinson (BDX) has increased has cranked up its dividends 43 years in a row. -10 Stocks The Richest Hedge Fund Billionaires Are Also Buying: Yahoo (YHOO), Micron (MU), Actavis (ACT), SunEdison (SUNE), Baidu (BIDU),T-Mobile (TMUS), BofA (BAC), DirectTV (DTV), General Motors (GM) & Dow Chemical (DOW). All of these […]

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- [Home](https://www.mcapitalmgt.com/): Your wealth. Your journey. Our strategy. Montecito Capital Management is where foresight meets financial mastery. We specialize in helping individuals and families grow their wealth, defend it against uncertainty, and live richly — not just in assets, but in life. Celebrating 20-Years of Excellence About Us Boutique fiduciary firm built on trust, expertise & insight – dedicated to your success Learn More Comprehensive Services Financial, Investment, Retirement, Estate & Tax Learn More Financial Planning Expert guidance tailored to your life goals Learn More Retirement Roadmap Customized paths for a secure financial future Learn More Independent Wealth Management for Your Future Why […]
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- [Reverse Mortgage Financial Advisor Consult Santa Barbara](https://www.mcapitalmgt.com/reverse-mortgage-financial-advisor-consult-santa-barbara/): Retirement often comes with liquidity and income constraints: Is a Reverse Mortgage for you? Montecito Capital Management, a financial advisory firm serving communities in Santa Barbara and Los Angeles offers independent guidance and counsel for homeowners considering a reverse mortgage. First, there are the good, the bad and the ugly products out there, so “caveat emptor,” buyer beware. The takeaway is that some reverse mortgage providers are superior to others, the different reverse mortgage options should be tailored to each individual’s circumstances, and it is advisable to have an independent third-party professional determine whether a reverse mortgage is the right […]
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- [Articles](https://www.mcapitalmgt.com/articles/): Financial Advisor Publication Articles Santa Barbara & Los Angeles As investment thought leaders, our insights on capital market trends, financial topics and retirement considerations are often sought after by the national media. We lead by example with a history of publications in mainstream news, journals, magazines and other reliable investment educational sources. Montecito Capital Management and its Principal, Kip Lytel, CFA, have been published, referenced, sourced and/or interviewed by many of today’s leading financial investment publications, such as: Wall Street Journal, Barron’s Magazine, Bloomberg News, Forbes Magazine, Business Week, Bloomberg Magazine, Financial Planning Magazine, Investment News Magazine, Seeking Alpha, among others. Wealth Management Publication: 30M People Joined […]
- [Custom Approach](https://www.mcapitalmgt.com/custom-approach/): Financial Planning for Retirement in Santa Barbara & Los Angeles Planning for retirement is one of the most important financial decisions you will make in your lifetime. Whether you’re just beginning to save, approaching retirement age, or already retired, having a well-structured plan can give you the freedom and peace of mind to enjoy the future you’ve worked hard for. Our financial planning services in Santa Barbara and Los Angeles are designed to help you protect your assets, maximize opportunities, and create a clear path toward lasting financial security. Our Customized Financial Planning Approach Successful, long-lasting relationships don’t happen by […]
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- [Difference](https://www.mcapitalmgt.com/difference/): Wealth Management Advisors Serving Santa Barbara & Los Angeles At Montecito Capital Management, we provide personalized wealth management solutions for individuals and families in Santa Barbara and Los Angeles. Our approach is rooted in a fiduciary commitment—your financial goals, not our compensation, drive every recommendation. By combining disciplined investment strategies, comprehensive financial planning, and a focus on long-term growth, we help clients achieve financial confidence, clarity, and security. Whether you are planning for retirement, managing your assets, or preparing your estate, we tailor our services to meet your unique objectives and priorities. A Fiduciary Advisor Relationship Is Different We are […]
- [Portfolio ](https://www.mcapitalmgt.com/portfolio/): Modern Portfolio Management: Multi-Asset Diversity for Risk Management We believe skilled financial advisors can add investment value in three active strategy disciplines: asset class construction, security selection and dynamic (adaptive) allocation adjustments. Montecito Capital Management’s focus is on the active management of multiple investment asset classes based on modern portfolio practices, relative valuations and economic/market prospects. We subscribe to managing dynamic factor exposures while still delivering broadly diversified, economically representative portfolios. While there are a number of effective multi-asset portfolios that have produced successful long-term results, the key to success is to find and implement a strategy that best fits […]
- [Retirement Planning](https://www.mcapitalmgt.com/retirement-planning/): Retirement Goals Through Ongoing Financial Planning Services The most frequent question we receive for those individuals’ approaching retirement is whether they can afford to retire, followed by what their budget should look like in retirement and advice on the different Medicare options. Fortunately, we are in the business of providing retirees advice on what their financial futures are likely to hold as they transition into income-based retirees. Notwithstanding the fact that we are experienced at establishing diverse income portfolios for retirees, we are active in building budgets driven by sources of income, expected expenses and financial goals for retirees. Table […]
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