Q4 2023 Review | Market Update

We hope you and your family had a joyful holiday season! As we reflect on the stock market in 2023, it's clear how disconnected it can be from our perceptions of the economy.

Despite concerns like inflation, unaffordable housing, decreasing savings, and political divisiveness, the market had a great year. It's a reminder that market timing often fails, and predictions on TV can be wide of the mark. Amidst uncertainties, good companies adapt, finding ways to thrive.

Our portfolios, with conservative money earning 5% plus, offer a strategic position. Looking ahead to 2024, with a Presidential election on the horizon, we anticipate another unpredictable year. Historically, election years tend to be strong, as indicated on the chart below. It's normal for the first couple of months to be volatile.

This chart is for illustration purposes only.
Any opinions are those of Caliber Wealth Management and not necessarily those of Raymond James Financial Services, Inc., or of Raymond James. The information contained in this presentation does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market.

Our focus remains on building solid, long-term financial plans, and most importantly helping you to create the life you desire. Remember, amid the noise, turn off the TV, cherish your loved ones, and focus on what you can control - not the stock market.

Sincerely,


John D. Arndt
Director of Advice Solutions, Caliber Wealth Management
Financial Advisor, RJFS

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