Jesse J. Bowman, CRPC and Partner at Sterling Heights Financial Group

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Jesse J. Bowman, CRPC and Partner at Sterling Heights Financial Group

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CRPC™ and Partner at Sterling Heights Financial Group - a financial planning firm specializing in working with retirement clients and business owners.

We offer retirement, investments, and financial planning services. I offer a variety of products that can help you address a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Securities and advisory services are offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. www.finra.org, www.sipc.org. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed as to accuracy and completeness. The LPL Financial registered representatives associated with this page may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

11/01/2026

Good morning, Facebook family and friends! Welcome to November!

Did you know that November has historically been the strongest month of the year for the stock market?

Since 1950, the S&P 500 has averaged a gain of approximately 1.85% during November. While history doesn’t guarantee future results, it’s an encouraging trend as we enter the final two months of 2026.

📈 Here’s what I’ll be watching this month:

• Interest rates and inflation: Will the latest economic data influence the Federal Reserve’s next move?

• Corporate earnings: Are companies continuing to deliver strong profits, and what are they forecasting for 2027?

• Holiday spending: Will consumer spending remain strong as we head into the busiest shopping season of the year?

As we approach year-end, these developments could help shape the direction of the markets heading into 2027. If you haven’t reviewed your investments or retirement strategy recently, now is a great time to make sure you’re positioned for the year ahead. Feel free to reach out to me. As always, I’m happy to help!

10/31/2026

🎃 The markets can be spooky enough without your retirement plan turning into a horror story! 👻

Don’t let your financial future give you nightmares. That’s where we come in!

Happy Halloween from your frighteningly good financial advisors at Sterling Heights Financial Group! 💀🎃

Which one do you think is better for me and my business partner?

10/28/2026

Could playing it TOO safe with your retirement savings actually be putting them at risk?

As retirement gets closer, many investors begin moving money out of the stock market and into bonds, believing they’re making their portfolios safer.

It’s a common strategy, and one that can make sense. But there’s a risk many investors overlook.

📉 When interest rates rise, bond prices generally fall. This means bond funds can lose value, sometimes significantly, even when investors consider them a conservative part of their portfolio.

The retirement takeaway? If you’re approaching or already in retirement, it’s important to understand how much of your portfolio is invested in bonds, what types of bonds you own, and how rising interest rates could affect their value.

A portfolio that’s too heavily invested in bonds may expose you to more risk than you realize, while also limiting the growth potential you may need to keep pace with inflation throughout retirement.

The goal isn’t simply to reduce stock market risk. It’s to find the right balance between protecting your savings, generating retirement income, and maintaining long-term growth.

If you’re approaching retirement or already retired and would like a second opinion on your investment allocation, please contact me. As always, I’m happy to help.

10/23/2026

Does the stock market really perform differently during election years?

Historically, the S&P 500 has averaged:

📈 Non-election years: 15.9%
🇺🇸 Presidential election years: 11.6%
🗳️ Midterm election years: 8.6%

But there’s more to the story! Excluding 2002 (midterm year) and 2008 (presidential election year), two years marked by significant market declines, improves the historical election-year averages. This highlights how a few unusually difficult years can skew the data.

The takeaway? With midterm elections approaching, investors should be prepared for potential increases in volatility and the possibility of lower returns. But historical averages don’t predict what will happen next. Making emotional decisions based on political headlines can be more harmful than staying focused on a disciplined, long-term strategy.

At Sterling Heights Financial Group, we believe your financial goals, not election outcomes, should drive your investment decisions.

Source: Clearnomics, S&P 500 historical total returns through December 2023. Past performance is not indicative of future results.

10/21/2026

Should You Pay Off Your Mortgage Early or Invest the Money Instead?

Being mortgage-free sounds pretty good, doesn’t it?

But what if paying off your mortgage early isn’t necessarily the smartest financial move?

Let’s say you have a mortgage with a 3% interest rate and some extra money available each month.

Would you be better off paying down your mortgage or investing that money for the future?

Paying down your mortgage provides guaranteed interest savings and the peace of mind that comes with being debt-free.

On the other hand, investing could potentially provide greater long-term growth, although returns aren’t guaranteed.

The right answer isn’t the same for everyone.

Your mortgage rate, time until retirement, investment goals, and overall financial situation all play a role.

Sometimes the decision that makes the most sense financially isn’t the one that provides the greatest peace of mind. And that’s worth considering, too.

The key is understanding how each decision could affect your long-term financial goals before deciding which path to take.

If you’ve been wondering whether to pay down your mortgage or invest more toward your future, it’s worth taking the time to explore your options.

As always, I’m happy to help.

10/16/2026

We’re looking forward to attending Family Resources’ Night at the Races tomorrow evening!

Family Resources does incredibly important work helping children and families affected by abuse and trauma throughout our community.

Thank you to Family Resources for the kind recognition. We’re happy to support such a worthwhile organization and look forward to a great evening!

10/14/2026

Good morning Facebook family and friends!

I recently received my annual reminder to review my Social Security statement. It got me thinking about how many people actually take the time to review theirs.

For many Americans, Social Security will represent a significant portion of their retirement income. Understanding your estimated benefits is an important part of determining how much income you’ll need from your savings, investments, pensions, and other sources.

Remember, retirement planning isn’t just about how much you’ve saved. It’s about understanding how all your income sources work together.

If you haven’t reviewed your Social Security statement recently, you can access it at www.ssa.gov/myaccount.

If you have questions about how Social Security fits into your retirement strategy, feel free to contact me. As always, I’m happy to help.

10/01/2026

Good morning Facebook family and friends. Welcome to October!

As we begin the final quarter of the year, history gives investors an interesting reason for optimism. Since 1950, the S&P 500 has gained an average of 4.2% from October through December, with the market finishing the three-month period higher about 80% of the time.*

Of course, history doesn’t tell us what will happen this year. Corporate earnings have remained strong, while inflation, interest rates and the Federal Reserve’s next moves remain important factors to watch as we head into year-end.

October can also bring its share of volatility, which is a good reminder not to let short-term headlines distract from long-term goals.

The start of the fourth quarter is a great time to review your investments and retirement strategy to make sure your plan is still aligned with where you want to go. If you have questions or would like to review your current strategy, feel free to contact me. As always, I’m happy to help.

09/25/2026

This might be the most extreme retirement income strategy I’ve ever seen. 😂

If your retirement plan involves a wig, makeup, and pretending to be your mother, it may be time for a second opinion.

There are much easier ways to create reliable retirement income. Give me a call. As always, I’m happy to help.

09/17/2026

Good morning Facebook family and friends!

Yesterday, the Federal Reserve raised interest rates by 0.25% - its first increase since 2023.

The increase could create some short-term market turbulence. Historically, the S&P 500 has often declined during the weeks following the first rate increase of a cycle, only to recover those losses over the months that followed.

In previous rate-hike cycles, the market has generally produced positive returns during the following six to 12 months. There have been exceptions, including 2022, and history certainly does not guarantee what will happen this time.

Still, it provides some useful perspective. Short-term volatility following a Fed decision does not necessarily change the market’s longer-term direction.

If you’re concerned about how higher rates could affect your investments or retirement plan, reach out to me. As always, I’m happy to help!

Address

Pittsburgh, PA

Telephone

+14129652606

Website

http://www.SterlingHeightsFinancial.com/

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