Ironwood Wealth Management, LLC.

Ironwood's Quarterly Market Insight Webinar Thursday, November 7th, 2024 @ 4:00pm Arizona Please join us in this complimentary webinar to discuss the 3rd quarter of 2024's domestic and international markets as well as the outlook for 2024. As always questions are encouraged so feel free to have them ready. This webinar will be very informative and beneficial to those wanting to stay abreast with current market events. Please feel free to invite any other people to this informative event. Register today via the following link: https://lnkd.in/gSPmJ5Vb After registering, you will receive a confirmation email containing information about joining the webinar. Brought to you by GoToWebinar® Webinars Made Easy®

With heavy hearts, we share the news of the passing of our esteemed colleague, Margaret Stallworthy, CPA. Margaret was a cornerstone of our wealth management firm, and her profound impact on both our clients and our team is immeasurable. From the inception of Ironwood in 2006, Margaret became a trusted tax advisor and a professional mentor, whose expertise and unwavering attention to detail significantly elevated the quality of our services. Her detailed email replies, always thorough and insightful, will be fondly remembered by all! Beyond her professional contributions, Margaret's joy, good humor, and inspiring spirit enriched our work environment and touched the lives of everyone around her. As we mourn the loss of such a remarkable individual, we also celebrate the incredible legacy Margaret leaves behind. Her influence will continue to guide us as we strive to uphold the high standards of excellence she exemplified. Our thoughts are with Margaret's family and loved ones during this difficult time. We will remember Margaret with deep gratitude for the time we shared together and with a commitment to carrying forward her passion for our work.

Latest Economic Data: ISM Manufacturing - weaker than expected and still in contraction S&P Global US Manufacturing PMI - weaker than expected and an 8-month low JOLTS - lower job openings than expected and the lowest level of Job openings since January 2021 The Federal Reserve's tight monetary policy regime of the past 2 years has started to slow the economy. Will they be able to stick the ever elusive, SOFT LANDING, or will this turn in to a slow down or even worse a recession? We probably won't know for certain until it's too late. We have some very important employment data out on Friday. Markets will be watching! Regardless of the outcome, eventually we will have a slow down or another recession, they occur every so often, and are a healthy part of the business cycle. When markets are HIGH, it's crucial to prioritize risk management while still seeking potential returns. Make sure your investment portfolio is set up for YOUR game plan not your friends, neighbors, or colleagues game plan! Do you know what your "Hurdle Rate" is? If you don't, you probably have no idea how your portfolio should be allocated. A Hurdle Rate is the rate of return needed, every single year, in order to make your financial plan work (you achieve your goal(s) at some future date). It is a starting point to understand the minimum rate of return needed to hit your goals and objectives. Very useful information when building a portfolio. If you want to have your hurdle rate calculated, schedule a time to meet! https://lnkd.in/gzBQFc5p

Did you know there's a way to provide substantial financial support to your loved ones and witness your impact firsthand? It's called a living inheritance, and it's changing the way families think about passing on their wealth. However, like most financial planning strategies, it's not as simple as it seems. Here's what you need to know. https://lnkd.in/gT8_MxrD

Tomorrow, 8/21, the BLS is posting their preliminary revisions to the establishment survey (they revise these numbers twice a year). Goldman Sachs is estimating there could be 600,000 to 1 million less jobs created than originally posted. This could close the large gap that has emerged between the household survey and the establishment survey. With very few data points this week, the market will try and glean some clarity from this revision data. With recent focus shifting from inflation to growth, these numbers could give us some more insight on how resilient the US economy has been this year. Stay prudent!

Retail Sales numbers were very strong this morning! The US consumer is showing to be very resilient! Jobless claims slightly better than expected. According to these numbers, a slowdown is not occurring at the moment. These data points support the soft landing scenario. Equities are up, bond rates are also up. Good news is good news! Stay prudent!

Highly anticipated CPI report came in pretty much as expected, nothing to see here folks! In our opinion, inflation is no longer an issue. Fed funds rate is very restrictive given these inflation numbers the past few months. The Fed may be behind the ball. Market observers move their eyes to the labor market. Will we get the elusive soft landing or will we have a slow down or possibly even a recession? That’s the question every market observer is trying to figure out right now. Our take is that risks have increased substantially on the slow down, possibly even recession, outcomes. If you have enjoyed this 15 year rally in the S&P 500 market cap weighted index, it probably is time to reassess your portfolio allocation. ESPECIALLY, if you’re 5 years or less from retirement! The returns your portfolio has 5 years leading up to retirement and the first 5 years following retirement are disproportionately important to your outcomes. Don’t guess on your retirement outcome! Build a portfolio that can hold up in multiple different scenarios! Stay prudent my friends!

As Intel employees continue to evaluate their options following recent layoff announcements, we here at Ironwood Wealth Management want you to know that you're not alone. We've been working alongside Intel families for over 20 years, helping them make sense of their benefits like SERP, SERP+, RSUs, ESPP, and the Rule of 75, and now, our team is ready to do the same for you. As part of our commitment to easing your transition, we're waiving our $2,000 financial planning fee for Intel employees. Our goal is to provide personalized advice and help you navigate your voluntary retirement options or explore new financial paths. Contact us today to schedule a complimentary consultation, and let's chat about how we can help you take control of your financial future. https://lnkd.in/gf7Tn-3c #Intel #FinancialPlanning #RetirementPlanning

Intel employees: Get critical financial support during this new time of uncertainty. Following Intel's recent layoff announcement, many employees are reassessing their options and considering voluntary retirement. At Ironwood Wealth Management, we are committed to guiding you through this crucial decision-making process. Our expertise in retirement income planning is backed by over 20 years of experience working with Intel families. We are deeply familiar with Intel's benefit plans and retirement options, including SERP, SERP+, RSUs, ESPP, Rule of 75 and more. To support you during this transition, we're waiving our $2,000 financial planning fee for Intel employees. We understand how crucial it is to make informed decisions quickly, and as members of the Chandler community, we want to help however we can. Our team is here to provide timely, comprehensive guidance tailored to your unique situation, ensuring you have the clarity and confidence you need to choose the best path forward. Contact us today to schedule a complimentary consultation. https://lnkd.in/gxfz4Mfj #Intel #FinancialPlanning #RetirementPlanning

Intel employees: Get critical financial support during this new time of uncertainty. Following Intel's recent layoff announcement, many employees are reassessing their options and considering voluntary retirement. At Ironwood Wealth Management, we are committed to guiding you through this crucial decision-making process. Our expertise in retirement income planning is backed by over 20 years of experience working with Intel families. We are deeply familiar with Intel's benefit plans and retirement options, including SERP, SERP+, RSUs, ESPP, Rule of 75 and more. To support you during this transition, we're waiving our $2,000 financial planning fee for Intel employees. We understand how crucial it is to make informed decisions quickly, and as members of the Chandler community, we want to help however we can. Our team is here to provide timely, comprehensive guidance tailored to your unique situation, ensuring you have the clarity and confidence you need to choose the best path forward. Contact us today to schedule a complimentary consultation. https://lnkd.in/gxfz4Mfj #Intel #FinancialPlanning #RetirementPlanning