Lorrie Walker

10/16/2026

We've entered the 4th quarter! Here's what history tells us about this time of year:

Since 1996, the S&P 500 fell during Q4 just five times, generating gains 83% of the time versus the 73% positive rate across all quarters.

Q4’s average gain of 5.6% also leads all quarters and nearly doubles the 2.8% average across all 120 observations.

No guarantees that the next 2.5 months will follow this path, of course, but the five negative Q4s over this period generally required significant economic or policy shocks.

Source:

10/15/2026

Yesterday began a months-long journey for 11 professionals taking part in the Lead Washington County program, and I'm grateful to be among them. I'm looking forward to learning more about how the county functions and I'm really looking forward to building new friendships.

These two ladies, Rainie and Olivia, were encouraged to participate in the program by my friend Kenny Ray Mitchell with Innovations FCU.

Washington County Chamber of Commerce

09/25/2026

One of the best things I've done since I've been in NW Florida this summer is to be more involved with the Washington County Chamber of Commerce. Executive Director Shirley Parrado has injected an enthusiasm into this organization that is infectious. And Board Member Tamekia McKinnie is just about the happiest, most uplifting person you'll ever meet.

If you're new to an area and looking for ways to get plugged in, check out your local chamber. I bet big things are happening there.

📷 credit: Washington County Chamber of Commerce

09/18/2026

It's rodeo weekend for the Walkers! Wishing all contestants in the Washington County Sheriff's Office rodeo loads of luck tonight.

09/17/2026

The fed funds rate increasing doesn't affect you if you much if you don't have debt! Let this be your motivator to get out of debt.

09/14/2026

Here's my latest blog post: Do Hard Things

I love my career as a financial advisor and I am convinced that everything I did professionally in my life prior to this was preparing me for this

09/01/2026

Ick. I've been dreading this day for a very long time but alas, the time has come. The time has come not because I said so, but because LPL Financial said so.

I must upgrade my iPhone if I want to keep using it to access work-related apps. My iPhone XR, released in 2018 🤣 no longer supports the operating system necessary to continue accessing work stuff.

This is the longest I've kept the same iPhone. Yes, I have to perform CPR on it occasionally. But it always comes back to life.

Do I know my Apple password? No.

Am I looking forward to transferring over all the unimportant junk I store for no good reason in my current phone? No.

Am I feeling anxious because I have to get this done by Sept. 15? Yes.

Please pray for me. Thank you.

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08/25/2026

I attended a Washington County Chamber of Commerce meeting yesterday where someone mentioned that rental property owners strive for a 7% annual return on their investment.

Michael and I owned a rental property once and we didn't enjoy it. We had a great tenant who was a friend, but each time he called we panicked. Our first thought always was, "Oh no. What's wrong with the house this time?" It was a happy day when we sold that house.

I've always believed rental property is a great investment. However, I cringe any time someone refers to it as "passive income." You work for that income. It is anything but passive.

Sometimes I wonder why people do it when you can invest in mutual funds that have a 50+year track record of averaging 10-12% returns annually. THAT is passive income.

If you own rental property, I'd love to hear your thoughts on this.

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08/13/2026

08/13/2026

Consumer inflation rose .1% month over month in July, making the annual inflation pace 3.4%.
Source: LPLResearch

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