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Quarterly Webinar: Q4 2025 Market and Economic Themes
October 17, 2025
Mike Minter
Please join our Chief Investment Officer, Mike Minter, for our quarterly webinar (pre-recorded below) where we discuss ten relevant market and economic themes heading into the 4th quarter of 2025. We will also be recapping the 3rd quarter 2025 asset class performance and relevant metrics.
Click here for a PDF copy of the Q4 2025 Market and Economic Themes slides and important disclosures.
Q4 2025 Market and Economic Themes
Video Summary Below
Market Themes Overview
Before we jump into the slides, here’s the quick read on this quarter: the Fed is easing again, AI-driven spending is still a major engine for growth, corporate earnings remain surprisingly resilient, and credit markets are pricing in a lot of good news. At the same time, the labor market has cooled and some economic data look uneven, which keeps the soft-landing vs. slowdown debate alive.
Key Sections and Slides
1. Market Recap – Key Headlines From Last Quarter
This chart tracks the S&P 500 through Q3 with the major economic and policy headlines layered on top. Bottom line: the index kept climbing from the April low, and Q3 was calmer than Q2 as trade worries eased and the economy steadied—though plenty still happened.
The big debate was Fed policy versus the real economy. Inflation reports showed tariffs pushing up prices on things like furniture and apparel, but the broader impact was smaller than feared. At the same time, job growth cooled and unemployment ticked up. With labor softening, the Fed’s earlier concern that tariffs would reignite inflation looked overstated, and after a 9-month pause it restarted rate cuts in September.
Despite mixed economic signals, the S&P 500 finished the quarter near an all-time high. Why? Rate cuts helped borrowers and bolstered the soft-landing view. Q2 earnings beat lowered estimates, and AI-driven capex kept mega-cap tech earnings—and growth—strong.
2. Stock Market – Small Caps Outperform Large Caps
A quick look at how the Fed’s rate cut rippled through markets. This chart shows the quarterly performance gap between small- and large-cap stocks: above zero means small caps are winning; below zero means large caps are.
Since early 2021, small caps lagged—only 5 out of the last 19 quarters saw them in front. Three reasons: more floating-rate debt (so higher rates hurt more), less pricing power as costs rose, and light exposure to the AI leaders powering earnings.
That trend flipped in Q3: small caps outperformed by +4%, their biggest edge since Q1 2021—before the rate hikes, peak inflation, and the AI surge. Two drivers: the Fed resumed rate cuts after 9 months, easing rate pressure on smaller firms, and a catch-up trade as small caps looked cheap versus large caps.
The Russell 2000 even hit a new record late in Q3 after the September cut—its first since late 2021. The question now: does this carry into Q4? Rate cuts are a first step toward closing the gap.
3. Key Theme: Putting the AI-Capex Boom in Perspective
On the left, the GDP data: tech investment (information processing equipment and software) grew +14% year over year in Q2—the fastest since the late 1990s. Back then, computer and software investment ran around +15% as telecoms built the internet’s backbone. Today, the push is AI—billions for chips to train models, data centers to run them, and new energy infrastructure to power it all.
On the right, the market impact: over the last two years, the “Magnificent 7” (including Nvidia, Microsoft, Amazon, and Meta) returned nearly +150%, more than double the S&P 500’s ~+60%. The catalyst is that massive tech spending.
Big picture: the AI capex cycle is lifting both stock returns and economic growth. It’s a major macro theme—and it raises a fair question: what happens if tech spending normalizes?
4. Corporate Earnings: U.S. Companies Keep Beating
Two quick lenses on S&P 500 earnings
Left chart: the quarterly share of companies beating EPS estimates. Over five years, the average beat rate is 78%. It was strongest in 2020–2021 as the economy reopened and expectations were low, then dipped in 2022 as tighter policy bit. It recovered in 2023–2024, slipped a bit in late 2024/early 2025 as expectations got ahead of reality, and then improved in Q2 2025 after analysts cut estimates on policy worries. Takeaway: despite tariffs and uncertainty, earnings have been resilient.
Right chart: revision sentiment. The net share of companies with upward EPS revisions jumped—a +24% one-month change and a +27% three-month average—both in the top 10% historically. Similar bursts (2010, 2018, 2021) lined up with recoveries or improving conditions.
Put together, Corporate America keeps adapting. Analysts are lifting estimates, showing confidence in the economy and profits. The open question: can companies keep clearing a now higher bar?
5. Fixed Income: Corporate Credit Spreads Are Very Tight
Credit spreads are back to multi-decade lows. On the investment-grade side, spreads are ~0.75%—last seen in 1998—versus a historical ~1.30%. High-yield sits around ~2.75%, the tightest since 2007, well below the ~4.50% median since 1996.
Why so tight? First, yields are still high in absolute terms, so bonds look appealing even with slim spreads. Second, corporate fundamentals are solid—good earnings growth, manageable leverage, strong interest coverage—while markets worry more about government finances. Oddly, the higher “risk premium” today is being charged to the government, not corporations. Third, after September’s cut, investors expect more easing into 2026 and want to lock in yields.
What could change the picture? Two likely catalysts: (1) an economic slowdown or margin squeeze prompting investors to demand more risk premium (spreads widen), or (2) a wave of new corporate issuance—funding M&A, buybacks, etc.—that boosts supply faster than demand, also widening spreads.
Yields are attractive, but there’s less cushion when spreads are this tight. That argues for discipline, quality, and diversified bond exposure. The market isn’t flashing red—but it’s not giving a big margin of safety either.
6. Labor Markets: Unemployment Up as Monthly Job Growth Slows
Here we’re plotting monthly U.S. job gains since early 2022.
2022 was exceptionally strong as the economy reopened—consistent, hefty monthly gains.
By late 2022 into early 2023, hiring cooled as the reopening faded and higher rates weighed on activity. Still healthy by historical standards, but clearly slower than 2022.
The slowdown became more uneven in 2024. We saw a brief pickup after the election as policy uncertainty eased and firms moved ahead with plans, but it didn’t last. Lately, we’ve had months with little to no net job growth.
The steady cool-down suggests momentum faded under higher rates and uncertainty. Jobs data often lag, so recent softness may reflect earlier conditions. For households and businesses, that can mean fewer openings, more layoffs, and slower wage growth. For policymakers, it says policy may be too tight—arguing for lower rates.
7. Interest Rates: The Fed Resumes Its Cutting Cycle
Quick policy reset. The fed funds rate is the lever the Fed uses to set monetary policy.
During the pandemic, rates went near zero. Starting March 2022, the Fed hiked by +5.00% through July 2023—one of the fastest cycles in decades—then held steady through September 2024 while waiting for inflation to move back toward 2%.
Cuts began in September 2024: -1.00% total over three meetings—then paused on tariff-driven inflation concerns. After a 9-month pause, the Fed cut -0.25% in September, citing softer labor data. Chair Powell called it a “risk-management” move—support growth, not a recession signal.
Looking ahead, the Fed’s forecast shows two more -0.25% cuts this year and another two in 2026. Markets broadly agree. The actual path will depend on growth, unemployment, and inflation.
8. Economic Data: Mixed Signals from Headline & Core GDP
This slide compares headline GDP with a “core” version that strips out the really volatile pieces—trade, inventories, and government spending—to show underlying demand.
In 2021, growth was strong as the economy reopened. It slowed in 2022, right alongside four-decade-high inflation, a market sell-off, and the start of aggressive rate hikes.
The economy snapped back in 2023–2024. Both headline and core improved as consumers kept spending and government spending helped spur private investment.
2025 has been choppier. Q1 headline GDP was negative—companies pulled forward imports to beat tariffs and consumers eased up. Core weakened too. Then both bounced in Q2 as trade fears eased and markets rallied.
Early Q3 data (July/August) suggests that rebound continued. But the split is stark: consumers are resilient and AI capex is hot, while housing and non-AI business investment struggle under higher rates. The Fed is parsing these cross-currents as it decides what to do after September’s cut.
9. Key Themes to Watch the Next Six Months
AI capital expenditures: Tech investment is growing at the fastest pace since the late ’90s. Backlogs at AI-linked firms are building as billions go into chips, data centers, and energy. Can spending keep topping high expectations? Do those backlogs keep growing?
Labor market data: Q3 softened—slower monthly job gains and the highest unemployment rate since late 2021. Is this just tariff/policy noise, or the start of something more persistent? And how will that shape the Fed’s hand?
Early impact of rate cuts: After a 9-month pause, the Fed cut -0.25% in September, and both the Fed and markets expect two more cuts this year, with potential for more in 2026. Housing and manufacturing have been weak since hikes began in 2022—do lower rates spark a pickup?
10. Long-Term Perspective: The Power of Compounding
We covered a lot—resilient earnings, tight credit, softer labor data, mixed growth, and the AI wave. Q4 looks just as busy, so let’s zoom out.
The chart shows what $10,000 became since 1975: roughly ~$620k in U.S. large-cap stocks (dark blue line) versus ~$200k in a U.S. bond aggregate (light blue). Stocks are bumpy in the short run but historically deliver the strongest long-term returns and best inflation defense. Bonds help with stability and capital preservation—just with more modest growth.
The gray band is inflation. To keep 1975’s $10,000 of purchasing power, you’d need about $55k today. So the goal isn’t just saving; it’s growing faster than inflation. Parking cash steadily erodes buying power.
Beating inflation is essential. Stocks can feel risky day-to-day, and macro headlines never stop—but decades of compounding have rewarded patient investors. The right mix still comes down to your risk tolerance, time horizon, retirement plan, and diversification.
Closing Thoughts
Thank you everyone for joining us today as we hope this webinar has been insightful into the market themes our team is following as we work hard to manage your family’s wealth alongside ours.
For our current clients, you can always get in touch with us by reaching out to your financial advisor by phone or email.
For prospective clients that tuned in today, thank you for joining us. Please feel free to contact us should you have any interest in our services or if there are any questions we can answer.
Concerns or questions about how your investment portfolio will hold up in the current market environment? Contact Financial Synergies today.
We are a boutique, financial advisory and total wealth management firm with over 35 years helping clients navigate turbulent markets. To learn more about our approach to investment management please reach out to us. One of our seasoned advisors would be happy to help you build a custom financial plan to help ensure you accomplish your financial goals and objectives. Schedule a conversation with us today.
This content, which may contain security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own financial advisors as to legal, business, tax, and other related matters concerning any investment.
The commentary in this “post” (including any related blogs, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Financial Synergies Wealth Advisors, Inc. employees providing such comments, and should not be regarded as the views of Financial Synergies Wealth Advisors, Inc. or its respective affiliates or as a description of advisory services provided by Financial Synergies Wealth Advisors, Inc. or performance returns of any Financial Synergies Wealth Advisors, Inc. client.
Any opinions expressed herein do not constitute or imply endorsement, sponsorship, or recommendation by Financial Synergies Wealth Advisors, Inc. or its employees. The views reflected in the commentary are subject to change at any time without notice.
Nothing on this website or Blog constitutes investment or financial planning advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. It also should not be construed as an offer soliciting the purchase or sale of any security mentioned. Nor should it be construed as an offer to provide investment advisory services by Financial Synergies Wealth Advisors, Inc.
Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Financial Synergies Wealth Advisors, Inc. manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.
Any charts provided here or on any related Financial Synergies Wealth Advisors, Inc. personnel content outlets are for informational purposes only, and should also not be relied upon when making any investment decision. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Any projections, estimates, forecasts, targets, prospects and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Information in charts have been obtained from third-party sources and data, and may include those from portfolio securities of funds managed by Financial Synergies Wealth Advisors, Inc. While taken from sources believed to be reliable, Financial Synergies Wealth Advisors, Inc. has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. All content speaks only as of the date indicated.
Financial Synergies Wealth Advisors, Inc. is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Financial Synergies Wealth Advisors, Inc. and its representatives are properly licensed or exempt from licensure. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.
Quarterly Webinar: Q4 2025 Market and Economic Themes
Please join our Chief Investment Officer, Mike Minter, for our quarterly webinar (pre-recorded below) where we discuss ten relevant market and economic themes heading into the 4th quarter of 2025. We will also be recapping the 3rd quarter 2025 asset class performance and relevant metrics.
Click here for a PDF copy of the Q4 2025 Market and Economic Themes slides and important disclosures.
Q4 2025 Market and Economic Themes
Video Summary Below
Key Sections and Slides
1. Market Recap – Key Headlines From Last Quarter
This chart tracks the S&P 500 through Q3 with the major economic and policy headlines layered on top. Bottom line: the index kept climbing from the April low, and Q3 was calmer than Q2 as trade worries eased and the economy steadied—though plenty still happened.
Early July brought the “One Big Beautiful Bill” Act—tax legislation extending the 2017 tax cuts. After that, attention shifted to the Fed, the AI build-out, and trade policy.
The big debate was Fed policy versus the real economy. Inflation reports showed tariffs pushing up prices on things like furniture and apparel, but the broader impact was smaller than feared. At the same time, job growth cooled and unemployment ticked up. With labor softening, the Fed’s earlier concern that tariffs would reignite inflation looked overstated, and after a 9-month pause it restarted rate cuts in September.
Despite mixed economic signals, the S&P 500 finished the quarter near an all-time high. Why? Rate cuts helped borrowers and bolstered the soft-landing view. Q2 earnings beat lowered estimates, and AI-driven capex kept mega-cap tech earnings—and growth—strong.
2. Stock Market – Small Caps Outperform Large Caps
A quick look at how the Fed’s rate cut rippled through markets. This chart shows the quarterly performance gap between small- and large-cap stocks: above zero means small caps are winning; below zero means large caps are.
Since early 2021, small caps lagged—only 5 out of the last 19 quarters saw them in front. Three reasons: more floating-rate debt (so higher rates hurt more), less pricing power as costs rose, and light exposure to the AI leaders powering earnings.
That trend flipped in Q3: small caps outperformed by +4%, their biggest edge since Q1 2021—before the rate hikes, peak inflation, and the AI surge. Two drivers: the Fed resumed rate cuts after 9 months, easing rate pressure on smaller firms, and a catch-up trade as small caps looked cheap versus large caps.
The Russell 2000 even hit a new record late in Q3 after the September cut—its first since late 2021. The question now: does this carry into Q4? Rate cuts are a first step toward closing the gap.
3. Key Theme: Putting the AI-Capex Boom in Perspective
Let’s talk AI—the key tailwind behind large-cap leadership
On the left, the GDP data: tech investment (information processing equipment and software) grew +14% year over year in Q2—the fastest since the late 1990s. Back then, computer and software investment ran around +15% as telecoms built the internet’s backbone. Today, the push is AI—billions for chips to train models, data centers to run them, and new energy infrastructure to power it all.
On the right, the market impact: over the last two years, the “Magnificent 7” (including Nvidia, Microsoft, Amazon, and Meta) returned nearly +150%, more than double the S&P 500’s ~+60%. The catalyst is that massive tech spending.
Big picture: the AI capex cycle is lifting both stock returns and economic growth. It’s a major macro theme—and it raises a fair question: what happens if tech spending normalizes?
4. Corporate Earnings: U.S. Companies Keep Beating
Two quick lenses on S&P 500 earnings
Left chart: the quarterly share of companies beating EPS estimates. Over five years, the average beat rate is 78%. It was strongest in 2020–2021 as the economy reopened and expectations were low, then dipped in 2022 as tighter policy bit. It recovered in 2023–2024, slipped a bit in late 2024/early 2025 as expectations got ahead of reality, and then improved in Q2 2025 after analysts cut estimates on policy worries. Takeaway: despite tariffs and uncertainty, earnings have been resilient.
Right chart: revision sentiment. The net share of companies with upward EPS revisions jumped—a +24% one-month change and a +27% three-month average—both in the top 10% historically. Similar bursts (2010, 2018, 2021) lined up with recoveries or improving conditions.
Put together, Corporate America keeps adapting. Analysts are lifting estimates, showing confidence in the economy and profits. The open question: can companies keep clearing a now higher bar?
5. Fixed Income: Corporate Credit Spreads Are Very Tight
Credit spreads are back to multi-decade lows. On the investment-grade side, spreads are ~0.75%—last seen in 1998—versus a historical ~1.30%. High-yield sits around ~2.75%, the tightest since 2007, well below the ~4.50% median since 1996.
Why so tight? First, yields are still high in absolute terms, so bonds look appealing even with slim spreads. Second, corporate fundamentals are solid—good earnings growth, manageable leverage, strong interest coverage—while markets worry more about government finances. Oddly, the higher “risk premium” today is being charged to the government, not corporations. Third, after September’s cut, investors expect more easing into 2026 and want to lock in yields.
What could change the picture? Two likely catalysts: (1) an economic slowdown or margin squeeze prompting investors to demand more risk premium (spreads widen), or (2) a wave of new corporate issuance—funding M&A, buybacks, etc.—that boosts supply faster than demand, also widening spreads.
Yields are attractive, but there’s less cushion when spreads are this tight. That argues for discipline, quality, and diversified bond exposure. The market isn’t flashing red—but it’s not giving a big margin of safety either.
6. Labor Markets: Unemployment Up as Monthly Job Growth Slows
Here we’re plotting monthly U.S. job gains since early 2022.
2022 was exceptionally strong as the economy reopened—consistent, hefty monthly gains.
By late 2022 into early 2023, hiring cooled as the reopening faded and higher rates weighed on activity. Still healthy by historical standards, but clearly slower than 2022.
The slowdown became more uneven in 2024. We saw a brief pickup after the election as policy uncertainty eased and firms moved ahead with plans, but it didn’t last. Lately, we’ve had months with little to no net job growth.
The steady cool-down suggests momentum faded under higher rates and uncertainty. Jobs data often lag, so recent softness may reflect earlier conditions. For households and businesses, that can mean fewer openings, more layoffs, and slower wage growth. For policymakers, it says policy may be too tight—arguing for lower rates.
7. Interest Rates: The Fed Resumes Its Cutting Cycle
Quick policy reset. The fed funds rate is the lever the Fed uses to set monetary policy.
During the pandemic, rates went near zero. Starting March 2022, the Fed hiked by +5.00% through July 2023—one of the fastest cycles in decades—then held steady through September 2024 while waiting for inflation to move back toward 2%.
Cuts began in September 2024: -1.00% total over three meetings—then paused on tariff-driven inflation concerns. After a 9-month pause, the Fed cut -0.25% in September, citing softer labor data. Chair Powell called it a “risk-management” move—support growth, not a recession signal.
Looking ahead, the Fed’s forecast shows two more -0.25% cuts this year and another two in 2026. Markets broadly agree. The actual path will depend on growth, unemployment, and inflation.
8. Economic Data: Mixed Signals from Headline & Core GDP
This slide compares headline GDP with a “core” version that strips out the really volatile pieces—trade, inventories, and government spending—to show underlying demand.
In 2021, growth was strong as the economy reopened. It slowed in 2022, right alongside four-decade-high inflation, a market sell-off, and the start of aggressive rate hikes.
The economy snapped back in 2023–2024. Both headline and core improved as consumers kept spending and government spending helped spur private investment.
2025 has been choppier. Q1 headline GDP was negative—companies pulled forward imports to beat tariffs and consumers eased up. Core weakened too. Then both bounced in Q2 as trade fears eased and markets rallied.
Early Q3 data (July/August) suggests that rebound continued. But the split is stark: consumers are resilient and AI capex is hot, while housing and non-AI business investment struggle under higher rates. The Fed is parsing these cross-currents as it decides what to do after September’s cut.
9. Key Themes to Watch the Next Six Months
AI capital expenditures: Tech investment is growing at the fastest pace since the late ’90s. Backlogs at AI-linked firms are building as billions go into chips, data centers, and energy. Can spending keep topping high expectations? Do those backlogs keep growing?
Labor market data: Q3 softened—slower monthly job gains and the highest unemployment rate since late 2021. Is this just tariff/policy noise, or the start of something more persistent? And how will that shape the Fed’s hand?
Early impact of rate cuts: After a 9-month pause, the Fed cut -0.25% in September, and both the Fed and markets expect two more cuts this year, with potential for more in 2026. Housing and manufacturing have been weak since hikes began in 2022—do lower rates spark a pickup?
10. Long-Term Perspective: The Power of Compounding
We covered a lot—resilient earnings, tight credit, softer labor data, mixed growth, and the AI wave. Q4 looks just as busy, so let’s zoom out.
The chart shows what $10,000 became since 1975: roughly ~$620k in U.S. large-cap stocks (dark blue line) versus ~$200k in a U.S. bond aggregate (light blue). Stocks are bumpy in the short run but historically deliver the strongest long-term returns and best inflation defense. Bonds help with stability and capital preservation—just with more modest growth.
The gray band is inflation. To keep 1975’s $10,000 of purchasing power, you’d need about $55k today. So the goal isn’t just saving; it’s growing faster than inflation. Parking cash steadily erodes buying power.
Beating inflation is essential. Stocks can feel risky day-to-day, and macro headlines never stop—but decades of compounding have rewarded patient investors. The right mix still comes down to your risk tolerance, time horizon, retirement plan, and diversification.
Closing Thoughts
Concerns or questions about how your investment portfolio will hold up in the current market environment? Contact Financial Synergies today.
We are a boutique, financial advisory and total wealth management firm with over 35 years helping clients navigate turbulent markets. To learn more about our approach to investment management please reach out to us. One of our seasoned advisors would be happy to help you build a custom financial plan to help ensure you accomplish your financial goals and objectives. Schedule a conversation with us today.
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Blog Disclosures
This content, which may contain security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own financial advisors as to legal, business, tax, and other related matters concerning any investment.
The commentary in this “post” (including any related blogs, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Financial Synergies Wealth Advisors, Inc. employees providing such comments, and should not be regarded as the views of Financial Synergies Wealth Advisors, Inc. or its respective affiliates or as a description of advisory services provided by Financial Synergies Wealth Advisors, Inc. or performance returns of any Financial Synergies Wealth Advisors, Inc. client.
Any opinions expressed herein do not constitute or imply endorsement, sponsorship, or recommendation by Financial Synergies Wealth Advisors, Inc. or its employees. The views reflected in the commentary are subject to change at any time without notice.
Nothing on this website or Blog constitutes investment or financial planning advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. It also should not be construed as an offer soliciting the purchase or sale of any security mentioned. Nor should it be construed as an offer to provide investment advisory services by Financial Synergies Wealth Advisors, Inc.
Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Financial Synergies Wealth Advisors, Inc. manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.
Any charts provided here or on any related Financial Synergies Wealth Advisors, Inc. personnel content outlets are for informational purposes only, and should also not be relied upon when making any investment decision. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Any projections, estimates, forecasts, targets, prospects and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Information in charts have been obtained from third-party sources and data, and may include those from portfolio securities of funds managed by Financial Synergies Wealth Advisors, Inc. While taken from sources believed to be reliable, Financial Synergies Wealth Advisors, Inc. has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. All content speaks only as of the date indicated.
Financial Synergies Wealth Advisors, Inc. is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Financial Synergies Wealth Advisors, Inc. and its representatives are properly licensed or exempt from licensure. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.
See Full Disclosures Page Here
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