White House Financial & Settlement Solutions, LLC

  Hello!   I hope you are doing well!   Give the important women in your life the gift of Financial & Wellness education with a copy of my book “Women Wealth Wellness & Wine”! I have reduced the price of my book for Black Friday to $15.75 which is available on Amazon at the following link:   https://a.co/d/9Ey17vV Or if you would like an electronic copy please let me know and I will email you one for FREE !   I wish you and your family a safe and joyous holiday season.   Please let me know if you have any questions or if there is anything else I can do for you!   Best regards,  Cyril     This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any ...

  I hope that you and your family are doing well! Click the link below to hear our Chief Economist, Jeffrey Roach, discuss the current bull market, its historical context, and the potential impact of recessions.  Click Here to Watch the Video Please contact me at cyril.white@fourfinancial.com or (734) 272-4322 if you have any questions or if there is anything else that I can do for you! Disclosures This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. ​ References to markets, asset classes, and sectors are generally regarding the corresponding market index. Indexes are unmanaged statistical composites and cannot be inves...

  It was so great to have the opportunity to present our "Structured Settlements Made Easy" workshop to our long time client ( like going on 20 years!) the Mike Morse Law firm at their beautiful headquarters in Southfield, Michigan! The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Investment Management refers to the discretionary investment management services provided through Four Financial Management, a registered investment adviser. These services are provided for a fee. Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Four Financial Management a registered investment advisor and separate entity from LPL Financial.

  Federal Reserve Chair Jerome Powell said last month’s decision to cut the fed funds target rate by a half percentage point was due to a “recalibrating” policy, as the Fed follows its dual mandate regarding inflation and growth. The new buzzword — recalibration — implies mechanical fine-tuning, but unfortunately, the macro economy is not that robotic. We are full of emotional people with ever-changing needs and wants. However, the buzzword also evokes something therapeutic; that is, the Fed is not cutting rates because of an imminent recession. In fact, the economy will likely grow above trend for yet another quarter or two. However, risks are rising for 2025. Blowout Payrolls, or Was It? We do not believe the Fed is cutting rates because a recession is just around the corner but rather because rates are still too restrictive. Yes, a slowdown looks likely next year, but for now, businesses are benefitting from a consumer on very good footing with higher income growth coupled with ...

One of the most common questions I get from my new wealth management clients is “ARE YOU A FIDUCIARY?” This has been an issue that has been going back and forth between financial industry regulators and the financial services industry since I have been in the business since 1997 and probably well before that!  It has been in the news once again recently due to a recent Department of Labor “Fiduciary Rule” regulation. Therefore, I made this video with the hope of clarifying what being a fiduciary means with respect to financial advisory services and how you can tell if your advisor is one too!  I hope you find it informative! Click on the Arrow button in the box below to view the video! The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Investment Management refers to the discretionary investment management services provided through Four Financial Management, a register...

  I hope that you are doing well! Of course, last week’s headliner was Jerome Powell and the Federal Reserve (Fed) cutting rates by a half percent on Wednesday, September 18, the first time since the COVID-19 pandemic broke out in 2020. The Fed “pause” ended at 423 days and now stands as the second-longest on record, while the 26% gain for the S&P 500 during the pause (7/27/23–9/18/24) ranks first. Here we share some thoughts on the Fed’s move last week and some potential market implications of not only Fed policy but also fiscal policy post-election.  This week's Weekly Market Commentary discusses the Federal Reserve's significant rate cut of half a percent on September 18, marking the first such adjustment since the onset of the COVID-19 pandemic. Learn about the potential market implications of this move and the broader fiscal policies post-election, highlighting the challenges and opportunities that may arise from these pivotal financial decisions.  Click the li...