<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Adviceman]]></title><description><![CDATA[Unlock your financial potential]]></description><link>https://www.advicefam.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Tue, 14 Apr 2026 00:01:00 GMT</lastBuildDate><atom:link href="https://www.advicefam.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Market Commentary Q1 26]]></title><description><![CDATA[Q1 2026 was centered on the idea of an “AI” tech theme and expected interest rate cuts. Now, the Iran war and the oil price shock are the center of focus. The extended sequence of positive returns has paused as the market booked a negative quarter with the S&#38;P falling -4.4%. The adversity and cost of conflict in the Middle East are challenges that have been imposed on society numerous times. Wars produce spikes in energy prices that lead to broad concern about cost and the spider web of...]]></description><link>https://www.advicefam.com/post/market-commentary-q1-26</link><guid isPermaLink="false">69d3fb58954483bc0388567e</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Mon, 06 Apr 2026 18:40:21 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Commentary Q4 25]]></title><description><![CDATA[Originally Published on January 5, 2026 2025 began with optimism carried over from 2024’s rally. Investors embraced AI driven momentum, and tech giants continued dominating headlines. By spring, the mood shifted dramatically. A sudden tariff shock, “Liberation Day,” in April rattled global markets; trillions of valuations were wiped out overnight. Fear surged as the markets reigning emotion, as a prolonged downturn seemed imminent.  TACO ensued as tariffs were rolled back, reassuring markets,...]]></description><link>https://www.advicefam.com/post/market-commentaryq4-2025</link><guid isPermaLink="false">69c6dc14d2e55f64fe0ddeb1</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Fri, 27 Mar 2026 19:38:06 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Commentary Q3 25]]></title><description><![CDATA[Originally Published on October 7, 2025 U.S. equities had a strong quarter; the S&#38;P 500 has a 14% gain so far this year, Dow Industrials up 9.1% and Nasdaq composite up 17% . Technology led the growth with AI, semiconductors, and communication sectors powering much of the gains. Small caps and cyclical names benefited from expectations of looser regulatory policy and optimism around economic resilience. Equity demand continues while growth held up better than many feared. Consumer spending,...]]></description><link>https://www.advicefam.com/post/market-commentary-q3-25</link><guid isPermaLink="false">69c2ee15adda444fefb2364f</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Tue, 24 Mar 2026 20:03:35 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Commentary Q2 25]]></title><description><![CDATA[Originally Published on July 7, 2025 Q2 2025 was one of the most dramatic market quarters in many years. The volatile trading action began with trade / tariff policy shock on April 2, 2025. Investor fears of a world where the United States sought to punitively level high tariffs on the entire world were a frightening revelation. A vigorous rebound then began as the S&#38;P 500 gained 10.9% in the second quarter after April’s tariff-induced selloff, while bonds notched a modest gain of 1%. See...]]></description><link>https://www.advicefam.com/post/market-commentary-q2-2025</link><guid isPermaLink="false">69c2eddbdbf1d5b6012f5c1c</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Tue, 24 Mar 2026 20:02:37 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q4 24]]></title><description><![CDATA[Originally Published on January 5, 2025 The S&#38;P 500 posted back-to-back annual gains for 2023 and 2024 of more than 20% for the first time since the late 1990s. Smaller companies, as measured by Russell 2000, were up 10%. The Dow was up 13%, and the Nasdaq was best with a 29% return. For more quantitative commentary, see “10 charts that tell the story of markets and the economy in 2024.” Year-end is when we take stock of what happened and look forward toward emerging trends. This commentary...]]></description><link>https://www.advicefam.com/post/market-comment-q4-24</link><guid isPermaLink="false">69c2ed4369ed8cb882ae772c</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Tue, 24 Mar 2026 20:00:05 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q1 25]]></title><description><![CDATA[Originally Published on April 6, 2025 The swamp has not been drained. The wall has not been built. Mexico is not “paying”. We are not bringing back coal. North Korea is well, who knows? The list goes on. Now the global economy has been permanently altered in one week? Not likely! Over-reaction to economic headlines is standard in fearful environments. There is no strategy to deal with this. There was no strategy for Covid. Holding ownership in great companies is still a good and maybe the...]]></description><link>https://www.advicefam.com/post/market-comment-q1-25</link><guid isPermaLink="false">69c2eb95dbf1d5b6012f56fe</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Sun, 06 Apr 2025 19:04:29 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q3 24]]></title><description><![CDATA[Originally Published on October 6, 2024 The Dow Jones Industrial Average closed up 3211 points, or 8.2% this quarter, to 42330. The S&#38;P 500 closed up 302 points, or 5.5% this quarter, to 5762. The Nasdaq Composite closed up 456 points, or 2.6% this quarter. See MarketWatch  for more data. The main event for markets in Q3 was the Fed initiating a new easing cycle, beginning with a half-percent rate cut during the September Federal Open Market Committee meeting. On September 18, 2024, Federal...]]></description><link>https://www.advicefam.com/post/market-comment-q3-24</link><guid isPermaLink="false">671041637d423b8fbf84c7e8</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Sun, 06 Oct 2024 17:30:03 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q2 24]]></title><description><![CDATA[Originally Published on July 3, 2024 Q2 2024 was driven by big tech posting significant gains, while the broader market is inching forward. The S&#38;P 500 has climbed 14% this year, yet the Equal-Weighted S&#38;P is up less than 5%. See Marketwatch  for additional market data. The majority of stocks have gone up very little, while a small select group of stocks are surging. There is a small set of 5-10 stocks that are driving a large portion of the gains. This if referred to as “market...]]></description><link>https://www.advicefam.com/post/market-comment-q2-24</link><guid isPermaLink="false">67104163cabe0cfee8675240</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Wed, 03 Jul 2024 18:35:58 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q1 24]]></title><description><![CDATA[Originally Published on March 31, 2024  “Stock Market Surges to Start the Year: 22 Record Highs in 3 Months The S&#38;P 500, rising 10 percent, set the pace as investors looked forward to interest rate cuts”  The New York Times declared  on 3-29-24. It is tempting to reference the Energizer Bunny when observing U.S. economic activity and market performance. We have a domestic economy that continues to grow and innovate in the face of persistent challenges.  From the article:  “The Russell 2000...]]></description><link>https://www.advicefam.com/post/market-comment-q1-24</link><guid isPermaLink="false">67104164da7c47b0d8348bde</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Sun, 31 Mar 2024 23:20:49 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q4 23]]></title><description><![CDATA[Originally Published on January 7, 2024 2023 Markets have posted above average results driven by a robust fourth quarter for the S&#38;P 500 up over 10%. Inflation data has greatly improved, the Fed is indicating the possibility for rate cuts in 2024 and a positive narrative is in full effect. Including the downswing of 2022, the results  of the last 5 years have been robust. The highest returns have been delivered by technology stocks as the NASDAQ posted a 44% gain for 2023. At the end of 2022...]]></description><link>https://www.advicefam.com/post/market-comment-q4-23</link><guid isPermaLink="false">67104164b4cf08fc6879080f</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Sun, 07 Jan 2024 19:50:14 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q3 23]]></title><description><![CDATA[Originally Published on October 6, 2023 The S&#38;P 500 sank 3.6% in the third quarter, yet the index was up 11.7% this year to date. The Dow was down 2.6% while the NASDAQ was down 4.12% for the quarter. See MarketWatch  for details. Global short-term interest rates rose while expectations for the pace of rate hikes to slow and eventually stop during 2023. The impact of the abrupt departure from the ultra-low rates era may weigh on financial conditions in the quarters to come. Pressure is...]]></description><link>https://www.advicefam.com/post/market-comment-q3-23</link><guid isPermaLink="false">67104165dca70cce47c3a974</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Fri, 06 Oct 2023 19:31:58 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q2 23]]></title><description><![CDATA[Originally Published on July 6, 2023 With Nasdaq up nearly 30% year to date, it was on track for its best first half in four decades. The S&#38;P 500, up 14.5% through the first half, while the Dow Jones Industrial Average lagged, up 2.5%. See MarketWatch  for complete recap. 2022 was a painful year, as rapidly increasing interest rates have torn away the era of cheap money. Now it seems that the global economy may adjust to higher rates, interest rates may be reaching a level that would be...]]></description><link>https://www.advicefam.com/post/market-comment-q2-23</link><guid isPermaLink="false">671041651ffc2babd5cf38bf</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Thu, 06 Jul 2023 18:42:29 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q1 23]]></title><description><![CDATA[Originally Published on April 5, 2023 Q1 23 has ended with gains, with the NASDAQ index rising a robust 17%, the S&#38;P up 7% and the DOW nearly unchanged for 2023. This is the second consecutive quarter of positive results as the S&#38;P has moved from 3678 on 10-2-22 to close at 4109 on 3-31-23. This upswing is another step in the process of the bear market that began 15 months ago. See The Wall Street Journal  markets page for a complete recap. Joseph De La Vega’s “Confusion De Confusiones”, is...]]></description><link>https://www.advicefam.com/post/market-comment-q1-23</link><guid isPermaLink="false">671041668797130b12b21e31</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2023-2026]]></category><pubDate>Wed, 05 Apr 2023 21:47:31 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q4 22]]></title><description><![CDATA[Originally Published on October 6, 2023 2022 has been a significantly down year. The Dow finished down 8.78%, S&#38;P down 19.44% and NASDAQ down 33.1%. For further stats see marketwatch  or Forbes . From an early age, I have memories of observing my father reading the newspaper in a ritualistic fashion. Ronald Shink had ongoing commentaries regarding what he saw as right and wrong in business, politics, and investing. He would often be ranting with anger about a perceived wrong or injustice....]]></description><link>https://www.advicefam.com/post/market-comment-q4-22</link><guid isPermaLink="false">67104166f087254bc38b46d7</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2017-2022]]></category><pubDate>Fri, 06 Jan 2023 19:49:21 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q3 22]]></title><description><![CDATA[Originally Published on October 7, 2022 Material discussed is meant for general/informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice. Past performance is no guarantee of future results. Diversification does not ensure...]]></description><link>https://www.advicefam.com/post/market-comment-q3-22</link><guid isPermaLink="false">67104167218f9670c104896e</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2017-2022]]></category><pubDate>Fri, 07 Oct 2022 16:59:36 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q2 22]]></title><description><![CDATA[Originally Published on July 6, 2022 American gas has gone to $6 per gallon…run for your lives! Before you go, please remember to pack a lunch, bring lots of hydration and dig into a little research: According to the US Bureau of Economic Analysis, energy, and food consumption as a share of disposable income are also historically low. Data from the Bureau of Labor Statistics show gasoline and other fuels account for 2.9% of Americans’ spending, a little more than half of what it was during...]]></description><link>https://www.advicefam.com/post/market-comment-q2-22</link><guid isPermaLink="false">671041677070b1525b16777d</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2017-2022]]></category><pubDate>Wed, 06 Jul 2022 16:33:50 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q1 22]]></title><description><![CDATA[Originally Published on April 5, 2022 The “Wall of Worry” refers to the propensity of financial markets to rise in the face of ostensibly insurmountable problems. The negative issues being revealed for investors are a true gut check. Q1 22 began by swiftly moving into a “correction” or 10% downswing. The S&#38;P 500 was down over 12% at the low point of the quarter. A rally in March left US markets  down 5% on 3-31-22. More market data is available at Bloomberg  or WSJ . The pandemic of COVID-19...]]></description><link>https://www.advicefam.com/post/market-comment-q1-22</link><guid isPermaLink="false">67104169a1ac2c10b38fe501</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2017-2022]]></category><pubDate>Tue, 05 Apr 2022 18:09:02 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q4 2021]]></title><description><![CDATA[Originally Published on January 4, 2022 Equity investors have become conditioned to gains. The post 2008 experience has embedded the idea that investing = gains. This may be true over longer periods, but we have become spoiled. The warning consistently given is to “buckle up” as downswings from the recent run up are likely. In addition to securing your emotional seatbelt, here are a few other coping mechanisms for the corrections that may arrive soon: Long walks Cycling Watercolor painting...]]></description><link>https://www.advicefam.com/post/market-comment-q4-2021</link><guid isPermaLink="false">6710416a5b83368f21b60278</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2017-2022]]></category><pubDate>Wed, 05 Jan 2022 03:25:10 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q3 2021]]></title><description><![CDATA[Originally Published on October 5, 2021 Hopes for a fade of the Covid-19 virus are rising. As vaccination rates increase and the Delta variant burns itself out, we may be able to see light in the tunnel. Markets are getting volatile as the steroids (zero interest rates and $120b of dollars added to the financial system monthly) of the Federal Reserve are being slowly reduced. The economic consequences of the pandemic would have been much worse without the financial doctoring that was...]]></description><link>https://www.advicefam.com/post/market-comment-q3-2021</link><guid isPermaLink="false">6710416c6e4cd78dc5290293</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2017-2022]]></category><pubDate>Tue, 05 Oct 2021 12:32:37 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item><item><title><![CDATA[Market Comment Q2 2021]]></title><description><![CDATA[Originally Published on July 2, 2021 “The master-economist must possess a rare combination of gifts …. He must be mathematician, historian, statesman, philosopher—in some degree. He must understand symbols and speak in words. He must contemplate the particular, in terms of the general, and touch abstract and concrete in the same flight of thought. He must study the present in the light of the past for the purposes of the future. No part of man’s nature or his institutions must be entirely...]]></description><link>https://www.advicefam.com/post/market-comment-q2-2021</link><guid isPermaLink="false">6710416d398ff8211e706e74</guid><category><![CDATA[Market Commentary]]></category><category><![CDATA[2017-2022]]></category><pubDate>Fri, 02 Jul 2021 14:33:46 GMT</pubDate><dc:creator>David G Shink, CFP ®</dc:creator></item></channel></rss>