Gold has been shining bright lately (pun intended) and has hit all-time highs as 2025 is coming to a close. But what’s really behind the surge?

In this episode of Common Curiosities: Retirement, we dig into some ideas of why reasons why gold’s up, and explore whether it still makes sense as part of a modern portfolio.

Here’s what we unpack:

📝 Uncertainty and global tension — when people get nervous, gold often feels is a place some like to go

📝 A potentially softer U.S. dollar which may actually make gold (and maybe American exports) more appealing.

📝 If interest rates come down — as cash yields shrink, some investors look for new places to store value.

📝 The ease of owning gold — We'd say it’s never been simpler to invest without filling your basement with gold bars.

Then we get curious about the real question: Should you own gold at all?

Some see it as a hedge, others as speculation, some as an investment and some just like the historical shine. Michael CFP® and EA shares how he thinks about gold compared to other assets— and why the answer depends less on the metal itself, and more on what role it plays in your plan.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Chapters

00:00 Why is Gold at All Time Highs?

00:28 Political Uncertainty

01:06 Weaker U.S. Dollar

01:47 Interest Rates May Come Down?

02:48 Easier Access to Invest in Gold?

03:38 The Value of Gold: A Personal Perspective

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.