Yoshia M. Hence

01/20/2026

Geopolitical tensions are rising fast at the World Economic Forum — and markets are reacting just as quickly. With new tariff threats, renewed diplomatic pressure, and an imminent Supreme Court ruling, near term volatility is poised to stay high. Read the latest commentary from the Cetera Investment Management Team for a clear breakdown of these fast moving risks and what they could mean for investors right now.

As the World Economic Forum kicks off in Davos, geopolitical tensions are once again shaping market sentiment. With new tariff threats, renewed diplomatic pressure, and an imminent Supreme Court ruling, near term volatility is poised to stay high. Despite the noise, the message for investors remains...

01/20/2026

Earnings season is here — and markets are paying close attention. Corporate earnings play a major role in driving stock prices, and this quarter could set the tone for 2025. With expectations for S&P 500 earnings growth and big sector divergences, investors are watching to see whether results can justify today’s valuations. On this week’s , CIO Gene Goldman breaks down why earnings matter and what this season could mean for markets in 2026.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

01/15/2026

Read the latest issue of Financial Watch here:

It’s tempting to set ambitious goals at the start of a new year. Chances are, you don’t need a major overhaul to notably improve your finances in the new year. A simple tune-up may be enough. In this month's Financial Watch find out what seven steps to incorporate that can serve you for life.

01/13/2026

Read the latest issue of Retire Wise here:

According to a recent survey, two-thirds of Americans are experiencing moderate to high financial stress, and half aren’t financially prepared for the unexpected. Concerns stemming from insufficient savings, rising healthcare costs, inflation, and the economy can contribute to financial stress at ...

01/12/2026

All eyes are on Tuesday’s Consumer Price Index report—the first timely read on inflation in months and a key signal for the Fed. Early signs point to upward pressure: potential payback from understated November data, strong holiday demand, and tariff-related impacts on imported goods prices. On this week’s , CIO Gene Goldman explains why this CPI report matters and what it could mean for rates and markets in 2026.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

01/05/2026

This Quarterly Recap summarizes market performance, major events and news from Q4 2025. Read more here:

The S&P 500 advanced nearly 18% in 2025, marking three back-to-back years of double-digit gains, following returns of 25.02% in 2024 and 26.29% in 2023. Such a feat is rare for Wall Street, occurring only five times before, this time being the sixth. Moreover, taken together, the S&P 500’s “thre...

01/05/2026

With the government shutdown behind us, all eyes are on Friday’s non-farm payroll report—the first look at December’s economy and a key signal for the Fed. Early signs point to strength: jobless claims are down, manufacturing hiring is solid, and federal layoffs are easing. On this week’s , CIO Gene Goldman explains why this report matters and what it could mean for rates and markets in 2026.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

12/29/2025

Low holiday trading volume and sparse economic data put the spotlight on one thing: the Fed’s divide. This Wednesday’s FOMC meeting minutes could reveal more about the December rate cut and why not every Fed member agreed. With some pushing for deeper cuts and others resisting any move, the minutes may offer critical clues on what’s next for interest rates. On this week’s , CIO Gene Goldman explains why this release matters as markets head into 2026—and what it could mean for stocks if the Fed holds firm.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

12/26/2025

We recently sponsored a holiday season donation drive benefiting The Marine Corps Toys for Tots, San Antonio Food Bank and Daisy Cares Program for pets. Thanks to the San Antonio area clients and Bama San Antonio Alumni Group for helping the Cetera Investors San Antonio Office collect donations to support these non-profits mission to help local families and pets in need.

12/22/2025

As market activity slows and economic data becomes scarce, we’re looking ahead to 2026 and the three key investment themes likely to shape the economy and financial markets. From a stronger-than-expected economy to lower market returns and a shift in market leadership, these trends could define the year ahead. On this week’s , CIO Gene Goldman breaks down what these themes mean for investors and portfolios in 2026.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

12/18/2025

Read the latest issue of Financial Watch here:

Starting January 1, 2026, new rules for charitable giving will kick in under the One Big Beautiful Bill Act (OBBBA). These changes affect both itemizers and those who take the standard deduction, so no matter how you give, it’s worth knowing what’s ahead. This month's Financial Watch newsletter ...

12/15/2025

Due to the government shutdown, October and November reports are hitting at once—revealing a labor market under pressure and consumer spending losing steam. With CPI expected to rise to 3.1%, bond investors and policymakers are on alert ahead of January’s Fed meeting. On this week’s , Chief Market Strategist Brian Klimke breaks down what these reports mean for rates, markets, and your portfolio.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...