Henssler Money Talks — March 8, 2025  
Season 39, Episode 10 

This week on "Henssler Money Talks," show hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, discuss the market’s volatility. Despite only being down 5% from the all-time high, many investors want to pull back their equity exposure as emotions are driving their decision-making. We'll break down recency bias from the past two stellar market years and why short-term swings shouldn’t dictate long-term strategy. We look at how the Henssler Ten Year Rule helps in these market conditions and why investing in high quality companies can make a difference. 

Focusing on specific sectors, the team considers a listener’s question on the growth opportunities in the Utilities sector and take a closer look at our recent portfolio realignment in the Energy sector. 

After the break, the hosts discuss how some major insurers, which are facing growing losses because of the California wildfires, are pulling back from insuring lavish homes, making it harder for homeowners to find coverage. We'll look at how this affects consumers, homeowners, landlords, and insurance holdings in the portfolio. 

Timestamps and Chapters 

• 5:27: Market Volatility, Emotions, and Your Financial Plan 
• 24:22: Sector Focus: Utilities and Energy 
• 38:11: California Wildfires and the Insurance Industry 

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