Good morning!

As we step into 2025, the financial landscape is marked by a stark contrast to the exuberance of 2024, a year that saw unprecedented highs in the markets. The euphoria of record-breaking gains has given way to a more cautious and uncertain outlook. Investors and policymakers alike are grappling with the aftershocks of rapid economic growth, including inflationary pressures, interest rate hikes, and potential market corrections.

Please join me for a lively, informative discussion about the multi-faceted challenges I expect us to encounter in the new year. I'll share my economic forecast, as well as ideas, strategies, and opportunities for maintaining a balance between sustaining growth and mitigating risks with your investments.



Thursday, January 23 @ 10 a.m. PT

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The markets were closed yesterday to honor Dr. Martin Luther King, but they are more than making up for it, thanks to the other big event, the inauguration of President Donald Trump. Here's what's happening this week.

• Big days this week for earnings, starting this morning with numbers from Charles Schwab, 3M Company, Capital One, D.R. Horton, United Airlines, and after the close of markets, Netflix. Wednesday reports are due from Proctor & Gamble, Johnson & Johnson, Abbott Laboratories, Discover Financial, as well as Progressive and Travelers insurance companies. With the tragic wildfires in Los Angeles this month, it will be interesting if the two insurance giants provide any consensus or issue any guidance for Q1. The week wraps up Friday with earnings from American Express, Verizon, HCA Healthcare, and First Citizens BancShares.*

• Shares of Tesla dropped over 3% early this morning, erasing premarket gains on the first trading day following Donald Trump’s inauguration. Among the 78 revoked policies reversed by Trump on his first day in office was a mandate requiring that half of all new cars manufactured in the US be electric by 2030. Trump is moving quickly to dismantle a pro-EV policy established by former President Joe Biden. Also falling were stocks from EV manufacturers Lucid and Rivian, while General Motors and Ford posted gains. **

• The National Association of Realtors provides its latest monthly snapshot of U.S. home sales Friday. Economists project that sales of previously occupied homes slowed last month to a seasonally adjusted annual rate of 4.03 million homes. Elevated mortgage rates, rising prices and a still tight inventory of properties on the market have discouraged home shoppers, prolonging a national home sales slump that began in 2022. *** 

The financial advisors at Miramontes Capital diligently keep up with anything that can impact our clients' finances and tap into more than 175 years of combined investment experience. We do our all to keep your money protected and growing. If you think you might benefit from our financial experience and oversight, contact us today for a FREE, no-obligation consultation. Just call (800) 460-1595. Until next week...

Investment Advisory Services offered through Miramontes Capital, LLC. Securities offered through Balanced Security Planning, Inc. Member FINRA/SIPC. Miramontes Capital, LLC and Balanced Security Planning, Inc. are separate companies affiliated through common control. This newsletter is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Miramontes Capital, LLC and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Miramontes Capital, LLC unless a client service agreement is in place.