Arroyo Investment Group

09/03/2026

📈 Record highs are not a reason to wait. History is fairly clear on this.

When markets reach new peaks, many investors conclude they have missed their window. The data suggests otherwise:

▪️ 1,530. The number of new all-time highs the S&P 500 has reached since 1950.

▪️ 72%. How often stocks were higher one year after reaching a record high.

▪️ 16.2%. The average return over those following twelve months.

The pattern makes sense once you consider what a record high actually signals. Markets that grow over long periods necessarily pass through many peaks along the way. New highs are a feature of long-term investing rather than a warning about it.

None of which eliminates downside risk. Declines are inevitable and stocks can fall at any time. But investors who have treated record levels as a reason to stay on the sidelines have often found the market still had room to climb.

📞 626-844-1441
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🌐 www.arroyoinvestmentgroup.com

Source: Capital Group, "All-time highs can be bullish for stock markets." Data compiled from Capital Group, RIMES, and S&P Global. Includes all daily periods between January 1, 1950 and July 31, 2026. Returns are price returns which exclude the reinvestment of dividends and capital distributions. Chart shown on a logarithmic scale. Past results are not predictive of results in future periods. Indices are unmanaged and cannot be invested in directly. This material is for informational purposes only and does not constitute investment advice.

09/03/2026

Websites tell you what an advisor says. Performance reporting tells you what they've actually done for their clients. Learn more: https://lttr.ai/Asxim

09/02/2026

🏦 AI and Fed policy seem unrelated. Over the long run, they are deeply connected.

The link runs through productivity, which is what determines whether living standards actually rise over time.

Where things stand:

▪️ 3.7%. Headline PCE inflation year over year, with core at 3.3%. Both remain well above the Fed's 2% target.

▪️ At least one hike. What markets currently expect by year end, with the possibility of two by the first quarter.

▪️ 4.1%. The unemployment rate, historically low and stable for two years.

▪️ 3.1%. Year-over-year wage growth, decelerating but still strong by historical standards.

▪️ 61%. Labor force participation in July, near its lowest level in decades as demographics shift.

The longer-term question is whether AI proves complementary or competitive to labor. Current evidence suggests it may function as another tool that helps workers accomplish more, similar to the information technology revolution of the 1990s. Notably, some companies that reduced headcount over AI have since begun rehiring.

That matters for inflation too. Technology is naturally deflationary. If AI lifts productivity meaningfully, the economy could support faster growth and higher wages with more moderate price pressure over time.

For investors, the discipline is balancing near-term noise against long-term trends. Productivity growth is what drives markets over decades.

Read this week's full article from John Odell: https://arroyoinvestmentgroup.advisorlibrary.com/the-feds-ai-dilemma-r0gc005hgt

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

The Nobel Prize-winning economist Paul Romer once wrote that "economic growth springs from better recipes, not just from more cooking."1 This key idea in economics is that raising our standard of living is not just about adding more workers or more equipment, but about enabling each worker to produc

09/01/2026

🍂 Welcome to September. With four months left in 2026, now is the perfect time to make sure your financial plan is on track.

A few questions worth asking right now:
• Are you maximizing your retirement contributions before December 31st?
• Has your portfolio been reviewed since the market swings earlier this year?
• Do you have excess cash sitting idle that could be earning more?
• Is your estate plan current and up to date?

At Arroyo Investment Group, we proactively reach out to our clients to make sure nothing falls through the cracks. But if you have been thinking about any of these questions, we would love to talk.

Reach out today for a complimentary year-end financial review.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Financial planning, investment management & GIPS® compliant reporting by CFP® professionals. No commissions, accountable to you. Nationwide.

08/31/2026

📅 August is over. September starts tomorrow. And with four months left in 2026, the window to make meaningful financial adjustments before year end is open right now.

Here is what we are talking to our clients about heading into fall:
• Maximizing retirement contributions before December 31st
• Roth IRA contributions and Roth conversion opportunities
• Tax loss harvesting strategies
• Portfolio rebalancing after a strong year in markets
• Beneficiary designation reviews
• Estate planning updates

At Arroyo Investment Group, we do not wait for our clients to come to us with questions. We proactively reach out, stay ahead of deadlines, and make sure nothing falls through the cracks.

That is what a truly dedicated financial partner looks like.

If you are not yet working with us and would like a complimentary year-end financial review, we would love to hear from you.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

08/31/2026

Cybercrime losses in the U.S. hit $16.6 billion in 2024, up 33% from the year before. Here are 10 tips to protect yourself. 🔒

Charles Schwab's Financial Crimes Risk Management team put together a practical guide every investor should read. Here are the highlights:

Think before you click. One wrong click on a phishing email can drain an account

Set up security alerts and two-factor authentication on your financial accounts

Never share passwords. Use a password manager for strong, unique passwords

Keep all devices and software up to date with the latest security patches

Set strong passwords on your home router and all smart devices

Avoid logging into financial accounts on public Wi-Fi. Use your phone's hotspot

Talk with your children about online safety early and often

Have gentle conversations with elderly relatives who may be more vulnerable

Sign up for FTC fraud alerts and check your credit report annually

Trust your instincts. No reputable company will ask for sensitive information electronically

At Arroyo Investment Group, protecting our clients is about more than managing portfolios. It is about making sure every aspect of their financial lives is as secure as possible.

Source: Charles Schwab, "10 Tips for Keeping Your Accounts Secure," June 16, 2025.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

08/30/2026

☀️ As summer winds down, here is a question worth sitting with:

Is your financial plan built for the next chapter of your life, or just the last one?

Life changes. Income changes. Goals change. Tax situations change. And a financial plan that does not evolve alongside you is not really a plan at all.

At Arroyo Investment Group, we review our clients' plans regularly, keep them informed with daily market insights, and proactively reach out when something changes that affects their strategy.

We are fee-only, fiduciary, GIPS® compliant, and actively managed. We serve clients nationwide from Pasadena, California. And we are always here when you need us.

If you have not had a comprehensive financial review recently, fall is the perfect time to start. Reach out today for a complimentary consultation.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein.

To view our track record:
👉 https://arroyoinvestmentgroup.com/our-track-record/

Arroyo Investment Group is one of the few GIPS® compliant financial advisors sharing their track record and independently-verified results. Call us now!

08/30/2026

That $20 office lunch every day could be worth hundreds of thousands in retirement. Here is the math. 🥗📊

At $20 per day, five days a week, your daily lunch out adds up to $400 per month and $4,800 per year.

Now imagine investing that $400 per month instead at a 9% average annual return. The chart tells the rest of the story.

That difference between what you put in and what you get back? That is compounding. Returns generating returns, year after year, decade after decade.

This is not about never enjoying a lunch out. It is about being intentional with your money and understanding what small daily habits actually cost over time.

At Arroyo Investment Group, we help our clients understand how everyday financial decisions impact their long-term goals and build strategies to make the most of every dollar.

This example is for illustrative purposes only and assumes a consistent 9% average annual return. Past performance is not indicative of future results.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

08/29/2026

🤔 When you hire a financial advisor, do you actually know how they have performed?

Most people assume their advisor is doing well. The uncomfortable reality is that most personal financial advisors never disclose their investment results, even though performance is entirely measurable.

So how do you find out? Ask for their GIPS® track record.

GIPS® stands for Global Investment Performance Standards, a global best practice for calculating and reporting investment results, maintained by the nonprofit CFA Institute. The standards exist so that investors can evaluate performance on a consistent, apples-to-apples basis rather than taking a firm's word for it.

We put together a short video explaining what GIPS® means, why it matters, and what every investor should be asking before trusting an advisor with their financial future.

🎥 Watch it here: https://youtu.be/aqjDc-8FeHQ?si=gqoR57lZ8LoJG0Vu

Want to go deeper? Read our full GIPS® guide for investors:
👉 https://arroyoinvestmentgroup.com/gips-guide-for-investors/

If you have never asked your advisor for their GIPS® track record, this is a good week to start.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Arroyo Investment Group claims compliance with the Global Investment Performance Standards (GIPS®). To obtain a GIPS Composite Report and/or a list of composite descriptions, please visit arroyoinvestmentgroup.com/our-track-record/ or call 626-844-1441.

GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein.

When you're selecting a financial advisor or wealth manager, should...

08/28/2026

🌟 Let us tell you exactly what makes Arroyo Investment Group different.

We are fee-only. No commissions. No product sales. Our compensation comes entirely from our clients, so our loyalty is entirely to our clients.

We are fiduciary. We are legally required to act in your best interest at all times. Not most of the time. Always.

We are GIPS® compliant. Our track record is located on our website and is independently verifiable.

We actively manage truly diversified portfolios. Not just across U.S. stocks, but across sectors, asset classes, and geographies, built to grow wealth in rising markets and protect it when conditions get tough.

And we genuinely care. About our clients, their families, and the goals they are working toward.

That is Arroyo Investment Group. We would love to show you the difference.

👉 https://arroyoinvestmentgroup.com/why-arroyo/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein.

To view our track record:
👉 https://arroyoinvestmentgroup.com/our-track-record/

Financial planning, investment management & GIPS® compliant reporting by CFP® professionals. No commissions, accountable to you. Nationwide.