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Juncture Wealth Strategies Experienced, credentialed wealth firm dedicated to helping our clients reach their financial goals.

The S&P 500 has been an incredible place to invest over the last 15 years. But has its success created a hidden risk in ...
10/02/2026

The S&P 500 has been an incredible place to invest over the last 15 years. But has its success created a hidden risk in investors' portfolios?

This week on Investment Friday, Hannah and Brad look beneath the surface of the S&P 500 and explain why owning hundreds of companies doesn't necessarily mean you're as diversified as you think.

They also explore rising Treasury yields, why today's investment environment may look different from the last 15 years, and why a portfolio that worked beautifully during your accumulation years may need to change as you approach retirement.

In this episode:

📈 Why the 10-year Treasury yield has risen and what higher bond yields mean for investors

📈 How lower interest rates contributed to the investment environment of the last 15 years

📈 Why the S&P 500's recent outperformance is historically unusual

📈 The concentration risk hiding inside S&P 500 index funds

📈 Why owning multiple ETFs doesn't necessarily mean you're diversified

📈 How large-cap, mid-cap, small-cap, international, fixed income, and cash can play different roles in a portfolio

📈 Why your required rate of return—and appropriate level of risk—can change as you approach retirement

Watch on YouTube or listen on your favorite podcast app!
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What happens when an unexpected emergency turns your financial plan into real life?This week on Investment Friday, Hanna...
09/25/2026

What happens when an unexpected emergency turns your financial plan into real life?

This week on Investment Friday, Hannah shares how a flash flood left the lower level of her Arizona home underwater—and why having cash reserves made an incredibly stressful situation much easier to navigate.

Then Hannah and Brad dig into rising Treasury yields, the competition for investor capital, and why higher bond yields may create new opportunities for retirement portfolios and tax-efficient investing.

In this episode:

📈 Why an emergency fund matters even when you have homeowners insurance

📈 Why every dollar in your portfolio has a different job

📈 What's driving the rise in U.S. Treasury yields

📈 How AI infrastructure spending is affecting the bond market

📈 Why higher bond yields may change the balance between stocks and fixed income

📈 How to determine the return your financial plan actually needs

📈 What municipal bonds are and how their tax advantages work

📈 Why your portfolio should evolve as your financial needs change

Watch on YouTube or listen on your favorite podcast app!
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What happens when you inherit more money than you've ever managed before—but also inherit decades of fear, scarcity, and...
09/11/2026

What happens when you inherit more money than you've ever managed before—but also inherit decades of fear, scarcity, and beliefs about what you're “supposed” to do with it?

This week on Investment Friday, Hannah and Brad start with the latest economic news—from inflation and rising oil prices to Treasury yields and the enormous amount of debt being issued to fund AI infrastructure.

Then the conversation turns to something much more personal: the invisible money systems passed from one generation to the next.

In this episode:

📈 Why inflation remains complicated—and why the source of inflation matters

📈 How rising oil prices can affect household spending

📈 Why the U.S. government and AI hyperscalers are competing for investor capital

📈 What a K-shaped economy looks like for different households

📈 How Depression-era and Boomer money experiences shaped saving and spending

📈 Why receiving an inheritance can create grief, confusion, anger, or even rejection

📈 The difference between stewarding wealth and being afraid to use it

📈 How financial planning can help you balance security with actually enjoying your life

📈 The question that matters: How much is enough?

Watch on YouTube or listen on your favorite podcast app!
Links in comments ⬇️

The stock market is hitting all-time highs, but for a lot of people, everyday life still feels expensive. So what does t...
09/04/2026

The stock market is hitting all-time highs, but for a lot of people, everyday life still feels expensive. So what does that mean for your money?

This week, Hannah is joined by X² Wealth Planning Practice Manager and Expansive CEO co-host Lauren Ammon to talk about investing, financial fear, and the hidden assumption that you need to understand everything before you can make good decisions with your money.

Because building wealth doesn't require becoming a financial expert—or doing it all yourself.

Learn more:

📈 Why a strong stock market can coexist with consumers feeling financially squeezed

📈 Why investing matters when wages and cash may struggle to keep pace with inflation

📈 What you're actually investing in when you buy stocks—and why the market isn't simply “smoke and mirrors”

📈 How concentration risk can show up in businesses, real estate, individual investments, and even excessive cash

📈 Why “invest in what you know” can become dangerous when it turns into “only invest in what you know”

📈 The hidden assumption that because we all use money, we should automatically know how to manage it

📈 Why good financial planning isn't about teaching you to do everything yourself—it's about helping you make informed, empowered decisions with a team you trust

Watch on YouTube or listen on your favorite podcast app!
Links in comments ⬇️

09/03/2026

Young + wealthy + high income = aggressive investor.

Older + retired = conservative investor.

Right?

**Not necessarily.**

This is exactly why we can't build portfolios from a fact sheet.

Someone can have decades ahead of them, plenty of assets, and a high income—and still be deeply uncomfortable watching their portfolio fall 30%.

If we put that person into an aggressive portfolio simply because they *technically* have the capacity to take the risk, what happens when the market drops?

They may not stick with it.

Meanwhile, someone who's older and retired may understand volatility, have plenty of liquidity, and be completely comfortable maintaining significant equity exposure.

That's why good investment management has to distinguish between:

**How much risk can you afford to take?**

and

**How much risk can you actually tolerate?**

And even those aren't the whole story.

Your goals matter. Your income needs matter. Your family dynamics matter. Your timeline matters. Your relationship with money matters.

A portfolio isn't built for a demographic.

**It's built for a person.**

🎙️ Hannah and Brad about why personalized portfolio construction matters in this Investment Friday episode.

Links in comments ⬇️

09/02/2026

Remember when spreadsheets were revolutionary?

Today, they're so embedded in the way we work that we barely think about them.

Brad's point in this clip is that **AI may still be in its "spreadsheet era."**

Right now, we're seeing some genuinely impressive applications. AI can create things, analyze information, automate repetitive tasks, and dramatically streamline certain workflows.

But it's still primarily a tool.

And we may be *very* early in understanding what happens when that tool becomes deeply integrated into the way businesses—and entire industries—actually operate.

That's an important distinction when we're talking about AI as an investment theme, too.

We're not just asking what AI can do today.

We're watching an enormous infrastructure buildout happening in anticipation of what companies believe it will be capable of doing tomorrow.

Data centers. Energy. Computing capacity. New applications. New business models.

There's a lot we don't know yet.

But if AI follows the path of other transformative technologies, the most interesting part may not be what it can do right now.

**It may be what eventually becomes so normal that we can't imagine working without it.**

🎙️ More on AI, the infrastructure race, bond markets, and what all of it means for investors on this week's Investment Friday.

Links in comments ⬇️

09/01/2026

$4 billion sounds like a lot of money.

Until you compare it to $40 trillion.

In this clip, Brad is talking about the Treasury's announcement that it would increase purchases of longer-term Treasury debt from $2 billion to $4 billion.

Relative to the size of the outstanding U.S. debt market?

That's tiny.

So the interesting part isn't necessarily what $4 billion of buying can accomplish on its own.

**It's the signal the action sends.**

Long-term Treasury yields had risen substantially, with the 30-year around 5.25% and the 10-year closer to the mid-4% range.

And the administration responded.

That gives markets another piece of information: these levels may represent a point where policymakers become increasingly uncomfortable with the cost of borrowing and begin looking for ways to respond.

And that's why, when we're watching markets, we don't just pay attention to *what* policymakers do.

We pay attention to what their actions tell us about **where the pressure points are.**

Because sometimes the signal is much bigger than the action itself.

🎙️ We're digging into Treasury yields, government debt, AI infrastructure spending, and what today's higher-rate environment means for investors on this week's Investment Friday.

Links in comments ⬇️

“What's the best investment right now?”It's one of the most common questions we hear.And right now, it's an especially t...
09/01/2026

“What's the best investment right now?”

It's one of the most common questions we hear.

And right now, it's an especially tempting one.

Long-term Treasury yields are higher than they've been in decades. High-quality corporate bonds are offering meaningful yields. Stocks are near all-time highs. AI companies are spending enormous amounts of money building infrastructure for what comes next.

So...where should your money go?

**I don't know.**

Not until I know what your money needs to do for you.

When do you need it?

How much liquidity do you need?

Are you living from your portfolio or still accumulating?

What return do you actually need to achieve your goals?

How much volatility can you financially withstand—and, just as importantly, how much can you emotionally tolerate?

What do you want to leave to your family or to charity?

What else is happening in your financial life?

Those answers matter more to me than whether bonds happen to look attractive this week.

Because the goal of financial planning isn't to identify the investment with the highest potential return and put your money there.

It's to figure out what kind of return you actually need—and then determine how much risk you need to take to get there.

Sometimes, **the ability to take less risk is a luxury.**

That's the difference between asking, “What's the best investment?”

and asking,

**“What's the best investment for the life I'm actually trying to create?”**

🎙️ We dig into today's higher-rate environment, AI spending, stocks, bonds, and how we actually think about portfolio construction on this week's Investment Friday.

Links in comments ⬇️

The investment math has changed.For a long time, investors operated in a world where interest rates were incredibly low ...
08/31/2026

The investment math has changed.

For a long time, investors operated in a world where interest rates were incredibly low and there simply weren't that many attractive places to earn meaningful returns without taking equity risk.

That's not the world we're in today.

Long-term Treasury yields are at levels we haven't seen in decades. High-quality corporate bonds can offer meaningful income. At the same time, stocks are near all-time highs—and some of the world's largest technology companies are raising enormous amounts of capital to fund the AI infrastructure race.

There are a LOT of moving pieces.

And it's tempting to look at all of that and ask:

**Okay…so what's the best investment right now?**

But that's still the wrong question.

Because if your financial plan only requires a relatively modest return to accomplish everything you want to accomplish, today's higher yields may create opportunities to take *less* risk.

If you're younger, still accumulating, and have goals that require significant long-term growth, the answer may look completely different.

And even then, your age and net worth don't tell us everything about how much risk you should take.

Your goals matter.
Your timeline matters.
Your liquidity needs matter.
Your income needs matter.
Your risk tolerance matters.
Your family dynamics matter.

**The market tells us what opportunities are available.**

**Your financial plan tells us which ones actually make sense for you.**

That's why we don't start with, “What should we buy?”

We start with, **“What does this money need to do?”**

🎙️ We unpack the changing investment landscape—and what it actually means for portfolio construction—on this week's Investment Friday.

Links in comments ⬇️

Stocks are near all-time highs. Long-term Treasury yields are reaching levels we haven't seen in decades.And some of the...
08/21/2026

Stocks are near all-time highs. Long-term Treasury yields are reaching levels we haven't seen in decades.

And some of the world's largest technology companies are borrowing enormous amounts of money by issuing bonds to fund the artificial intelligence buildout. So what happens when all three collide?

In this week's Investment Friday, Hannah and Brad unpack what's happening in the bond market, why rising Treasury yields matter far beyond bonds, and how the massive race to build AI infrastructure is creating an unusual new source of demand for capital.

Then we bring it back to the question investors actually care about: What should I do with my money right now? And as usual, the answer depends far less on what's making headlines—and far more on what your money actually needs to accomplish.

Find out:

📈 Why long-term Treasury yields have climbed to levels not seen in more than 20 years

📈 What the government's Treasury buyback announcement signaled to financial markets

📈 How the federal debt and growing cost of servicing that debt are affecting the bond market

📈 Why massive AI infrastructure spending is pushing large technology companies into the debt markets

📈 How higher bond yields can put pressure on stock valuations—and why stocks can still rise at the same time

📈 Why the return you actually need to achieve your financial goals should influence how much investment risk you take

📈 Why there is no universal "right portfolio" and investment decisions have to account for your goals, risk tolerance, liquidity needs, income needs, and life

Watch on YouTube or listen on your favorite podcast app!
Links in comments ⬇️

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