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Fi Plan Partners episodes

August 11, 2025 Outperforming Expectations
Outperforming Expectations in a Volatile Market
Market volatility remained a dominant theme last week as investors continued to process the ongoing news around tariffs. Despite these headwinds, one critical driver of equity markets, corporate earnings, has delivered far stronger results than anticipated. As the second-quarter reporting season nears its close, with roughly 70% of S&P 500 companies having reported, earnings continue to exceed expectations. Sales growth has reached 5.6%, while blended earnings growth stands at 11.2%, well above the July 1 estimate of 5.8%. If these numbers hold, it will mark the third consecutive quarter of double-digit growth. Strong results from the technology and consumer discretionary sectors have been key contributors to this performance, driving the latest leg higher in the index’s growth rate. This momentum is particularly notable given the uncertainty surrounding tariffs. As markets head into the third quarter, attention will shift toward more normalized expectations, and investors will be watching closely to see whether earnings can continue to support valuations that many consider expensive.
The AI Spending Surge
Earnings season is in full swing, and four of the world’s largest technology or tech-related companies have revealed staggering levels of investment in artificial intelligence. Collectively, these firms spent $95 billion in capital expenditures this quarter on AI initiatives alone. This trend shows no signs of slowing. With the recent tax bill providing attractive incentives for capital expenditures, estimates now project these four companies will spend $364 billion this fiscal year, up 12% from the previous $325 billion estimate. For perspective, before the pandemic, $364 billion would have equaled a government stimulus package. These record-breaking investments highlight the intensity of the race to lead in AI, a theme expected to remain firmly embedded in market dynamics for years to come.
Fed Uncertainty Adds to Market Shifts
In addition to tariff concerns, volatility has also been fueled by uncertainty surrounding Federal Reserve policy. Recent developments suggest a period of shakeup ahead, as investors weigh the Fed’s next moves alongside shifting market expectations. Understanding how these monetary policy decisions intersect with strong earnings and historic levels of AI spending will be critical in assessing the market’s trajectory in the coming months.

Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Outperforming Expectations first appeared on Fi Plan Partners.
5 min
August 04, 2025 Decisions and Deadlines
Insights on Tariffs and Market Movement
Last week was a heavy one for markets. As we noted earlier, there was significant potential for volatility driven by macroeconomic data, and that’s exactly what unfolded. Between a lower-than-expected GDP print, a soft jobs report, and heightened geopolitical tension around trade, the result was increased market uncertainty. The most notable downside risk stemmed from the Federal Reserve and the reluctance to commit to a September rate cut, despite mounting evidence of economic slowing and added pressure to the markets. The justification? Powell pointed to tariffs as inflationary, hence resisting a dovish stance. However, Friday’s surprisingly weak payroll report underscored the fragility of the current labor market. Only 73,000 jobs were added in the last month, well below trend, and downward revisions to May and June data added to the concern. The data package suggested the Fed may have already fallen behind, and we now expect a rate cut in September, in line with actions taken by other central banks this year. Additional cuts may follow into 2026.
Looking internationally, we continue to track progress on trade agreements. Our research shows that countries securing tariff deals, highlighted in blue on our charts, are seeing stronger market outcomes than those still negotiating or holding out, highlighted in red. While last week’s events were challenging, it’s important to keep perspective. August is historically volatile with typically lower returns. However, fundamentals like credit conditions remain supportive. For example, initial jobless claims held steady at 218,000, indicating there’s no widespread employment breakdown. Moreover, recent U.S. tax reform and continued deregulation could support business activity moving forward.
Fed Signals and Consumer Spending
Building on those insights, the Federal Reserve’s position is worth a closer look. For the first time since 1993, two members of the Fed openly dissented from the policy decision, noting that rates should have been cut immediately. This level of disagreement is rare, especially given the Fed’s typically unified voice. The dissent highlights increasing tension and possible indecision within the Fed itself, as well as growing external pressure from figures like President Trump, who has been vocal about his dissatisfaction with Jerome Powell. Additionally, a Fed member recently resigned before the end of her term, adding another layer of uncertainty.
Turning to GDP, the headline 3% real growth for Q2 was strong. However, beneath the surface, the numbers tell a more nuanced story. Consumer spending, which accounts for about 70% of GDP, remained solid, which is a positive signal for economic momentum. In Q1, businesses rushed to import goods before new tariffs kicked in. This front-loading inflated trade activity early in the year. By Q2, the effects faded, and net exports emerged as a stronger contributor to growth simply because the importing slowed down, not because of increased trade efficiency. In short, the volatility in trade numbers over the past two quarters has masked the underlying trends. We expect Q3 GDP to offer a clearer baseline of what’s truly happening in the economy post-tariffs. All eyes will be on the Fed’s Jackson Hole meeting and the upcoming September decision. These will be pivotal moments as policymakers evaluate whether to shift course amid mixed signals across jobs, growth, and inflation data.

Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Decisions and Deadlines first appeared on Fi Plan Partners.
5 min
July 31, 2025 Charitable Giving Strategy
A provision in current tax law allows individuals to make qualified charitable distributions directly from their IRAs before reaching their required minimum distribution age. Watch this week’s Educational Insights episode as Mark Hume breaks down how this strategy remained unchanged through recent legislation and how it may offer tax advantages.
Watch to learn more.

Mark Hume, CFP®
Senior Vice President
Wealth Consultant
Email Mark Hume here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Charitable Giving Strategy first appeared on Fi Plan Partners.
3 min
July 28, 2025 How Soon We Forget
Consumer Confidence and Household Resilience
This week brings several important economic indicators, and consumer confidence is the top among them. Despite headlines about tariffs and slowing savings yields, the consumer remains surprisingly strong. We hear from clients that bank savings account yields are declining, and that’s supported by the data: peak yields from money market funds have dropped since August of last year. However, these yields are still elevated by historical standards, dating back to 1990. Even as passive income from savings weakens, consumers are well-positioned. High credit card debt often dominates headlines, but household balance sheets remain healthier than many realize. Debt service payments as a percentage of disposable income are actually below the 2010s average. That’s due largely to the deleveraging that occurred throughout that decade. While we can’t say consumers are immune to higher prices, recent labor market improvements and the relative stability of tariffs suggest a resilient spending environment. Consumer spending drives both the economy and equity markets, so these indicators offer some optimism as we analyze upcoming reports.
Fed Policy and Economic Momentum
The Federal Reserve is in the spotlight this week, with market speculation swirling around potential rate cuts. While expectations at the start of 2024 called for up to ten cuts, the current outlook anticipates fewer than two by year’s end. That shift is driven by a stronger-than-expected economy and robust consumer activity. Two key charts support this: domestic air travel is at an all-time high, and total vehicle miles driven have not only recovered from the COVID dip but reached record levels. The takeaway? Consumers aren’t just spending; they’re traveling and engaging actively with the economy. Money market yields are another factor buoying spending. While interest costs are rising for some, others, like consumers with savings, are earning an estimated $25 billion a month in interest. That income supports ongoing economic momentum. Additionally, market indicators show little divergence from the Federal Reserve’s policy rate. The current spread between the Fed funds rate and the two-year Treasury rate suggests minimal anticipation of drastic changes. That aligns with a core truth: inevitability does not imply immediacy. Yes, rate cuts are likely on the horizon, but the timing remains uncertain, and the Fed appears appropriately cautious, not wanting to repeat the mistakes of the late 1970s, when premature cuts fueled inflation.
Tariff Updates and Liquidity Outlook
Tariffs remain a major talking point among clients, and last week brought important developments. Several trade agreements were finalized, just ahead of the August 1st implementation deadline for tariffs announced in April. Agreements with the Philippines, Japan, and the EU resulted in slightly reduced rates compared to the initial proposals. For example, Japan’s proposed 25% rate was negotiated down to 15%. As a result, the average U.S. import tariff rate has decreased from 21.6% in April to 13.5% today. While tariffs remain elevated compared to the start of the year, the impact has been less severe than initially feared, underscoring the importance of measured, ongoing negotiation. Another significant but less publicized event this week is the quarterly refunding announcement. Following the recent debt ceiling increase, the U.S. Treasury is set to resume debt issuance after a long pause. This shift will create a liquidity drain, as capital flows from the market into Treasury securities. The key question is how the Treasury will structure the new issuance. Favoring short-term debt could help prevent long-term interest rates from rising too quickly. We’ll be watching this closely, as it may influence market behavior more than any headline-grabbing Fed statement.

Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Associate Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post How Soon We Forget first appeared on Fi Plan Partners.
5 min
July 24, 2025 How Women are Impacting Wealth Transfer
As generational wealth shifts hands, new priorities and perspectives are rising to the forefront. Watch this week’s educational episode where Ashley Page breaks down how this transformation is influencing everything from charitable giving to long-term planning.
Watch to learn more.

Ashley Page, JD, MBA
Senior Vice President
Wealth Consultant
Email Ashley Page here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post How Women are Impacting Wealth Transfer first appeared on Fi Plan Partners.
8 min
July 21, 2025 Charts You Need to See
The Small Business Boost
Recent legislation, the One Big Beautiful Bill Act, has introduced significant tax incentives for small and medium-sized businesses, and these changes are already generating widespread interest. This is no surprise, as businesses with fewer than 500 employees make up more than 80% of total employment in the U.S. Specifically, companies with 1–49 employees represent 44% of total employment, while those with 50–499 employees account for another 38%. The bill includes several impactful provisions. Chief among them is the permanent 20% qualified business income (QBI) deduction for pass-through entities, such as sole proprietorships, partnerships, LLCs, and S Corporations. Previously set to expire, this deduction now offers long-term tax relief. Another key change is the immediate deduction for domestic research and development expenses, which allows businesses to write off those costs in the year incurred. This improves cash flow and promotes innovation. Additionally, updated rules around interest deductibility now enable companies to deduct more borrowing costs, potentially encouraging greater investment. One of the most business-friendly updates is the 100% bonus depreciation for new capital investments. Companies can fully write off the cost of qualifying purchases like equipment, vehicles, and software in the year they are acquired. Collectively, these incentives aim to stimulate business expansion, job creation, and overall economic growth. While our team continues to analyze the long-term impact of the bill, early indicators point to strong potential for positive outcomes.
Inflation, Interest Rates, and Market Signals
Understanding inflation and interest rate trends is essential to interpreting broader economic momentum. Two key metrics we monitor closely are the Consumer Price Index (CPI) and the Producer Price Index (PPI). The PPI measures what producers pay for raw materials and services, while the CPI reflects the prices consumers ultimately face. Earlier in the year, we saw the PPI rising faster than the CPI, a trend that historically signals rising consumer costs ahead. Recently, however, the PPI has started to cool down while the CPI has moved higher. This shift is noteworthy, particularly considering new tariffs, which often contribute to inflation. Encouragingly, imported goods were up just 0.10%, indicating minimal tariff-driven inflation at this point.
Perhaps even more important than inflation readings themselves is how the market interprets them. The 10-Year U.S. Treasury yield is widely considered the most influential interest rate in the world, serving as a benchmark for mortgage rates and corporate borrowing costs. On July 14th, the 10-Year Treasury yield peaked at 4.49%, before declining to 4.37%. Though this movement may seem minor, the 4.5% threshold has proven significant. Historically, when the 10-Year yield rises above 4.5%, equity markets tend to move sideways or decline. That’s because higher yields make fixed-income investments more attractive and raise borrowing costs for businesses, potentially hurting corporate earnings. Despite inflation remaining above the Federal Reserve’s 2% target, the market’s reaction, particularly falling yields, suggests confidence that inflation is under control. As long as the 10-Year Treasury remains below that 4.5% barrier, the outlook for U.S. equities remains positive.

Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Associate Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Charts You Need to See first appeared on Fi Plan Partners.
5 min
July 16, 2025 Retirement Plan Options
Retirement plans aren’t one-size-fits-all and choosing the right one can make a big difference for your future. Watch this week’s educational episode where Ty Miller breaks down the key options, including some that many investors overlook.
Watch to learn more.

Ty Miller
Associate Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Retirement Plan Options first appeared on Fi Plan Partners.
5 min
July 14, 2025 Second Half and Earnings
Corporate Earnings: What to Watch and Why It Matters
Earnings are always a major driver of the stock market, but this season carries even greater weight than usual. As economist Larry Kudlow famously said, “Earnings are the mother’s milk of stock market growth.” This earnings season is particularly important because of how much has changed since the last earning seasons. Rarely does a corporate tax code change so drastically from one quarter to another, but that’s what’s happened. It’s rare to see such a dramatic shift in tax policy from one quarter to the next. The most significant changes include major updates to capital expenditure (CapEx) and research and development deductions. These won’t impact current earnings directly, but they will play a major role in how companies forecast their future. Investors will be looking closely to see how corporate America plans to leverage these changes and how they might use them to drive long-term growth. These deductions allow businesses to front-load expenses, which reduces tax liability now but creates room for investment in future earnings potential. That’s a positive development for both companies and investors. The real question is how corporate leaders will frame these decisions, and will they take bold steps to ramp up investment and innovation?
Secondly, we really want to see how corporate America is using AI as that has started to improve. AI is a highly capital-intensive investment, and investors want to know how companies are beginning to use it. Tariffs also remain an important factor. Recent data from the U.S. Budget Department shows that in June, federal tax revenues increased by $101 billion compared to the same time last year. Interestingly, most of that increase came from individuals, higher payroll taxes and income taxes, not corporation taxes. In fact, corporate tax revenue was down 0.4% year over year. Roughly a third of the additional revenue came from tariffs. While the numbers don’t specify which companies are absorbing those costs, it’s clear that tariff-related expenses are impacting business bottom lines. The question is, are public companies, like those in the S&P 500, carrying that burden, or is it falling more heavily on smaller, private firms? A lot of data is going to be coming out of these earnings. We’ll not only learn how much companies earn but also how they’re adapting. The largest financial institutions will report first, and they reach nearly every part of corporate America. Where the money is flowing and where it’s being held back will offer vital insights as earnings season unfolds. We’ll get a lot of data right off the bat, but then we’re going to be following it throughout all of earnings season.

Second Half Market Outlook: What History Tells Us
While earnings are front and center, it’s also a good time to look ahead. After a volatile start to the year, our attention now turns to what the market could have in store for investors during the second half of the year. Looking back at historical data provides some guidance. The S&P 500 wrapped up in the first half of the year with a gain of 5.5%, recovering strongly from a deep April correction. Historically, when the index posts a positive first half, it goes on to deliver an average second-half return of 6.1%. More specifically, when first-half gains have landed in the 5% to 10% range, just like we saw this year, the second half has also averaged a 6.1% return. Even more encouraging, in 86% of those cases, the second half ended positively. While history doesn’t guarantee future results, this data supports a cautiously optimistic outlook. Investors will be paying close attention not just to what companies have already done, but also what they plan to do next.

Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Associate Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Second Half and Earnings first appeared on Fi Plan Partners.
5 min
July 10, 2025 How Large is the US Debt?
Watch this week’s educational episode where Trey Booth unpacks a surprising perspective on America’s $50 trillion debt. You might be shocked at how small that number looks when you see what it’s up against.
Watch to learn more.

Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post How Large is the US Debt? first appeared on Fi Plan Partners.
3 min
July 07, 2025 Not Just a Bill
This week on Investors’ Insights, we break down the newly passed legislation that’s making headlines, and the under-the-radar debt ceiling implications that could shake up liquidity and the markets. From hidden risks to potential market winners, now’s the time to understand what’s inside this thousand-page bill and what it could mean moving forward.
Watch the full episode to learn more.

Greg Powell, CIMA®
President and CEO
Wealth Consultant
Email Greg Powell here
Bobby Norman, CFP®, AIF®, CEPA®
Managing Director
Wealth Consultant
Email Bobby Norman here
Trey Booth, CFA®, AIF®
Chief Investment Officer
Wealth Consultant
Email Trey Booth here
Ty Miller, AIF®
Associate Vice President
Wealth Consultant
Email Ty Miller here

Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.
Economic forecasts set forth in this presentation may not develop as predicted.
No strategy can ensure success or protect against a loss.
Stock investing involves risk including potential loss of principal.
Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.
The post Not Just a Bill first appeared on Fi Plan Partners.
9 min

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