Everyone’s asking the same questions right now: Why are markets pulling back, and should retirees stay invested? We break it all down without the hype — just the insights you need.

Welcome back to The Market Moment! In this week’s episode, Lee Mackey and Isaac Johnson cover a wide range of market and financial topics—from the recent pullback in the S&P 500 to whether it still makes sense to own stocks in retirement. We also dig into the latest AI market cooldown, crypto’s sharp decline, and the surprising rise of prediction markets inside investing platforms like Robinhood.

If you're an investor, retiree, or simply trying to navigate today’s fast-moving financial landscape, this conversation is full of practical insights and real talk to help you stay informed and confident.

Topics Covered:

-Why the market has been pulling back and what’s driving recent volatility

-Investor reactions to earnings season -AI momentum cooling and how it’s shaping equities

-Morgan Stanley’s surprising S&P 500 forecast

-This week’s FAQ: Should retirees still own stocks?

-Inflation risk and why CDs/bonds aren’t what they used to be

-Balancing risk tolerance with retirement income needs

-Prediction markets on Robinhood and the blurry line between investing & gambling

-Crypto’s recent 25–40% drop and what’s behind the pullback

-How investors decide whether to sell stocks or crypto first when raising cash

🧠 Key Insights

-Even in retirement, equities often play a critical role in outpacing inflation.

-Markets may be “priced for perfection,” making corrections more common.

-Tech, AI, and crypto continue to show correlated investor behavior.

-Prediction markets are essentially gambling dressed up in financial language—use caution!

-Crypto remains highly volatile and emotionally driven, even as it becomes more mainstream.

🎧 About The Market Moment Podcast The Market Moment is hosted by the advisors at Mach 1 Financial Group in Rogers, Arkansas. Each week, we break down the top financial stories, market trends, retirement planning topics, and economic insights to help you make smarter financial decisions.

👍 Like, Subscribe & Share If you enjoy these weekly conversations, hit the like button, subscribe, and share this episode with someone who wants to better understand the markets or plan for retirement.

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#retirementplanning #retirementinvesting #stockmarketnews #marketupdate #financialplanning #retirementincome #investingforretirement #cryptonews #AIstocks #personalfinancepodcast

⚠️ Disclosures The hosts of The Market Moment podcast are employees of Mach 1 Financial Group LLC, a registered investment advisor located in Rogers, Arkansas. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

How is AI reshaping the stock market and global investing? J.P. Morgan global market strategist Stephanie Aliaga joins Matt and Lee on The Market Moment to discuss AI’s impact on markets, investor strategy, and where opportunities—and risks—may lie ahead.

Stephanie shares data-driven insights on:

💡 How AI-linked stocks have powered over 75% of S&P 500 returns since ChatGPT’s launch

📈 Whether the current AI boom is sustainable—or showing early signs of overvaluation

💰 The growing influence of private AI companies like OpenAI and Anthropic on public markets

⚙️ The AI value chain—from chips and data centers to power, infrastructure, and cloud capacity

🌍 Why global diversification and alternative investments may be key heading into 2026

The conversation also covers:

-Big Tech vs. AI startups—who will lead the next wave?

-How “AI circularity” and interdependence could increase market risk

-Broader economic impacts of AI, energy demand, and data infrastructure

-What investors should watch as 2025 closes and 2026 approaches Whether you’re an investor, advisor, or market observer, this episode delivers an expert perspective on how AI is transforming portfolios, valuations, and the global economy.

Learn more about Stephanie: https://am.jpmorgan.com/us/en/asset-management/adv/bios/stephanie-aliaga/

📢 Connect with Us!

Subscribe for weekly market insights, expert interviews, and timely investment commentary. You are also joining a growing community of every-day investors!

👍 Like this video and email us your questions! [email protected]

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📌 About Mach 1 Financial Group The hosts of The Market Moment Podcast are employees of Mach 1 Financial Group, LLC, a Registered Investment Advisor located in Rogers, Arkansas.

Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Retirement trends: age, financial impact, and tips for managing investments and income.

In this episode of The Market Moment, Matt, Eli, and John break down what’s shaping financial decisions in 2025. They discuss the rising average retirement age in the U.S., how life expectancy impacts long-term planning, and what the FIRE movement means for early retirees.

The team also covers today’s mortgage and refinancing trends, with 30-year rates dipping near 6%, and why fixed income investing is making a strong comeback after several volatile years. This conversation is great if you’re planning for retirement, exploring real estate moves, or adjusting your portfolio.

Sources: https://www.macrotrends.net/global-metrics/countries/ranking/life-expectancy

👉 Subscribe for weekly discussions on markets, investing, and financial planning and to join our growing online community of everyday investors.

📩 Comment below or send us an email at [email protected]

#FinancePodcast #RetirementPlanning #Investing #MortgageRates #FixedIncome #Mach1FinancialGroup #MarketMoment

📍 Hosted by the team at Mach 1 Financial Group, LLC — a Registered Investment Advisor based in Rogers, Arkansas. Learn more at: https://disclosures.mach1fg.com

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Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

In this episode of The Market Moment, hosts Matt and John dive into one of the most common—and most misunderstood—questions in retirement planning: What’s the best order to withdraw money from your accounts?

They break down the tax implications and strategic order of drawing from taxable accounts, IRAs, and Roth IRAs, explaining how factors like RMDs (Required Minimum Distributions), Roth conversions, Medicare IRMAA thresholds, and tax-bracket management can significantly impact long-term retirement outcomes.

Matt and John also discuss:

💡 How to create flexibility in your retirement income strategy

💡 Why diversifying account types (taxable, traditional, and Roth) matters

💡 Common misconceptions about IRAs and RMDs

💡 The importance of planning early for tax efficiency and legacy goals

Beyond retirement strategies, the hosts share their latest market insights—including reactions to UPS earnings, updates on AI’s growing role in corporate efficiency, and trends in housing costs, inflation, and employment. They unpack how these economic indicators could shape the markets heading into year-end, offering perspective for both investors and retirees. Whether you’re planning your retirement withdrawals, curious about market trends, or looking to stay informed about how AI and economic shifts may affect your investments, this episode provides practical, professional insights from experienced financial advisors.

#retirementplanning #withdrawtips #investingpodcast

👉 Don't forget to like, subscribe, and hit the bell so you never miss a weekly update from The Market Moment and join our growing online community!

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📍 Hosted by the team at Mach 1 Financial Group, LLC — a Registered Investment Advisor based in Rogers, Arkansas. Learn more at: https://disclosures.mach1fg.com

Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

In this episode of The Market Moment, Matt, Isaac, and John dive into one of the most frequently asked questions by retirees and near-retirees: How is Social Security calculated? They break down the AIME (Average Indexed Monthly Earnings), PIA (Primary Insurance Amount), and the role of inflation-adjusted earnings in determining your Social Security benefits.

Whether you're deciding when to claim Social Security or how working longer could affect your retirement income, this discussion provides clarity on a confusing topic — and directs listeners to helpful tools like SSA.gov.

💡 Key Topics Covered:

-How Social Security benefits are calculated (AIME & PIA explained)

-The impact of working additional years on your Social Security benefit

-Common myths and mistakes around claiming strategies

-Personalizing your Social Security plan based on life expectancy and income

After the Social Security deep dive, the hosts shift gears to discuss the current state of the market. From comparisons to the dot-com bubble to current P/E ratios and the booming AI sector, they provide valuable historical context for today’s investors.

📊 Market Commentary Includes:

-The rise of AI and its impact on valuations

-Current trends in earnings reports and P/E ratios

-The mystery behind gold hitting all-time highs -Insights on Bitcoin leverage and risk

What recent economic indicators (like ISM data) mean in today’s climate Despite market highs, the hosts highlight the importance of staying diversified, keeping a long-term perspective, and consulting a financial professional before making decisions.

With humor, insight, and a touch of healthy skepticism, The Market Moment helps listeners make sense of an increasingly complex investing landscape.

Helpful links: https://www.ssa.gov/  https://www.ssa.gov/oact/cola/Benefits.html

🔔 Like, subscribe, and leave your questions or comments below. The team regularly addresses listener questions in future episodes. Our email: [email protected]

🍿 Watch Next: • A Simple Guide to Financial Success | Data...

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⚠️ Disclosures: The Market Moment podcast is hosted by employees of Mach 1 Financial Group, LLC, a Registered Investment Advisor located in Rogers, Arkansas. A copy of Mach 1’s current written disclosure brochure is available via the SEC website or at https://disclosures.mach1fg.com. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

In this episode of The Market Moment, financial professionals Matt, Lee, and John dive deep into one of the most frequently asked questions: What is the ideal asset allocation when entering retirement?

The discussion covers:

-The importance of balancing growth vs. safety as retirement approaches

-Common mistakes retirees make with overly conservative portfolios

-Why solving for income should be the first priority in retirement planning

-The pros and cons of bonds, CDs, annuities, and equity exposure

-The classic 60/40 portfolio rule—and whether it still makes sense today

-How longevity, withdrawal needs, and market risk all factor into retirement strategy

This week's Market Moment concerns:

-Recent market reactions to geopolitical events and tariffs

-Insights into earnings season, job market data, and interest rate expectations

-A historical comparison of market cycles, tech bubbles, and the rise of AI-related investments

The guys emphasize that while general rules of thumb—like a 50-70% equity allocation—can be useful, every retirement plan should be tailored to individual goals, income sources, and risk tolerance. They highlight the value of working with a trusted financial advisor to develop a flexible and durable retirement income strategy.

🔍 Whether nearing retirement or already retired, this episode offers actionable insights on how to align your portfolio with long-term needs while navigating an uncertain market landscape.

🔔 Like, subscribe, and you can email us at [email protected] . The team regularly addresses listener questions in future episodes.

🍿 Watch Next:    • A Simple Guide to Financial Success | Data...  

🎙The Market Moment Podcast! Last week's episode...   • Is $1,000,000 Enough to Retire?  

#RetirementPlanning #AssetAllocation #IncomePlanning #FinancialAdvisor #InvestmentStrategy #MarketUpdate #MarketVolatility #RetirementIncome #CDs #Annuities #401k #InvestmentPortfolio #MarketMoment #Mach1Financial #PersonalFinance

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⚠️ Disclosures: The Market Moment podcast is hosted by employees of Mach 1 Financial Group, LLC, a Registered Investment Advisor located in Rogers, Arkansas. A copy of Mach 1’s current written disclosure brochure is available via the SEC website or at https://disclosures.mach1fg.com. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to Market Moment! This week Lee Mackey, John Martfeld, and Isaac Johnson dive into a packed discussion covering retirement planning, market trends, and current economic headlines.

🎙 Frequently Asked Question: Can you retire with $1 million? The hosts break down why the answer isn’t so simple. From income needs to inflation and Social Security, they discuss the many variables that determine financial independence in retirement.

📈 This Week’s Market Moment - What’s Happening Right Now:

-Gold hits $4,000/oz and Bitcoin surpasses $125,000 — is this a fear-driven rally or something more?

-What's behind the investor shift into alternative assets?

-The impact of government debt on market sentiment.

🏛 Government Shutdown: As the U.S. enters its 7th day of a federal government shutdown, the hosts explain what a "clean bill" means, the likely short- and long-term effects of shutdowns on markets and GDP, and why political gridlock continues to frustrate Americans. Plus, they highlight key historical data on shutdowns and stock market performance.

📌 Subscribe for weekly insights on financial planning, investing, economic trends, and real-world market commentary—all delivered in a relatable, down-to-earth style.

👍 Like, comment, and share to support the show and join the growing community! You can email us at [email protected]  

🍿 Watch Next:    • A Simple Guide to Financial Success | Data...  

🎙The Market Moment Podcast! Last week's episode...   • Emergency Funds: Before And After Retirement  

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#RetirementPlanning #MarketPodcast #GoldPrices #Bitcoin #GovernmentShutdown #FinancialPlanning #Investing #Mach1Financial #MarketUpdate #PersonalFinance #RetireWith1Million #StockMarket #EconomicUpdate

🔒 Disclosure: The Market Moment Podcast is hosted by employees of Mach 1 Financial Group, LLC, a Registered Investment Advisor based in Rogers, Arkansas. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to Market Moment! In today’s episode, Matt, John and Eli explore one of the most common personal finance questions:

 "How much should I have in an emergency fund — both before and during retirement?"

Together, they unpack the strategy behind building a resilient emergency fund, including:

🔹 When to increase or decrease your cash reserves

Using real-life examples from client experiences, they offer practical, flexible strategies for maintaining and growing your emergency fund — without sacrificing long-term growth.

The conversation also shifts to current headlines, including:

📉 The looming U.S. government shutdown — what it actually means for the economy

Whether you're early in your financial journey or approaching retirement, this episode delivers real, actionable insights on how to prepare for the unexpected without derailing your financial goals.

🔔 Subscribe for weekly episodes on investing, personal finance, and market insights.

💬 Got a question? Email the team at [email protected]  

📍 Learn more about Mach 1 Financial Group:

📄 Disclosures:

🎙 About The Market Moment Podcast:

Hosted by a rotation of advisors from Mach 1 Financial Group in Rogers, Arkansas — the Market Moment podcast provides thoughtful, real-world financial guidance. Each episode is designed to help listeners navigate market trends, investing strategies, and financial planning decisions with greater confidence.

#EmergencyFund #FinancialPlanning #Investing #Recession2025 #MarketUpdate #PersonalFinance #RetirementPlanning #CashReserves #Mach1Financial #MarketMomentPodcast #MoneyManagement #AIAndJobs

Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to Market Moment! In today’s episode, Matt, Lee, and John tackle one of the most frequently asked retirement planning questions: "How can I lower my taxes in retirement?”

From Roth conversions, RMDs (Required Minimum Distributions), and Social Security timing, to HSA utilization, IRMAA surcharges, and charitable giving (QCDs) — this discussion covers critical tax planning tools for both pre-retirees and younger investors looking to plan ahead.

🔍 Topics Covered:

➡️The benefits of Roth IRAs and Roth 401(k)s

➡️How Roth conversions can create tax-free retirement income

➡️Avoiding surprises with RMDs at age 73 or 75

➡️Understanding IRMAA and Medicare premium increases

➡️Delaying Social Security to maximize lifetime benefits

➡️The importance of having taxable, tax-deferred, and tax-free "buckets"

➡️How HSA accounts can be used tax-free in retirement

➡️Qualified Charitable Distributions (QCDs) after age 70½

💼 Plus, the team touches on how tax laws may shift in the future, the risk of rising tax rates due to the national debt, and why proactive planning — not last-minute scrambling — is key to tax efficiency.

📈 Here is the link to the chart Matt references with historical tax brackets: The Federal Reserve Bank of St. Louis https://fred.stlouisfed.org/graph/?g=jm6o

This Week’s Market Moment Segment:

In the second half, the team explores what could potentially stall the current bull market. They discuss rising inflation, interest rate uncertainty, the softening job market, and global geopolitical risks — as well as reasons for long-term optimism, including AI innovation, corporate earnings, and historical market resilience during past crises.

👍 Like this episode?

💬 Email us your thoughts on the current bull market, the widening gap between socio-economic classes, and tax planning. [email protected]  

📩 Subscribe for weekly market insights, financial education, and practical retirement advice.

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🎙️ About Us: The Market Moment podcast is hosted by financial advisors from Mach 1 Financial Group, a registered investment advisor based in Rogers, Arkansas. We deliver weekly insights into financial planning, retirement strategy, investing, and current market trends.

📢 DISCLAIMER: The hosts of the Market Moment podcast are employees of Mach 1 Financial Group, LLC (“Mach 1”), a registered investment advisor located in Rogers, Arkansas. A copy of Mach 1's current written disclosure brochure is available through the SEC website and at disclosures.mach1fg.com

#RetirementPlanning #TaxStrategies #RothConversion #FinancialPlanning #TaxesInRetirement #SocialSecurity #IRA #RMD #Investing #MarketUpdate #BullMarket #Inflation #MedicareIRMAA #HSA #QualifiedCharitableDistributions #PersonalFinance #WealthManagement

Welcome back to Market Moment! In today’s episode, Matt, Lee, and Isaac tackle one of the most frequently asked retirement planning questions: "When should I claim Social Security benefits?"

If you’re approaching age 60 or older, you’ve likely seen projections, conflicting advice, and heard it all—from "claim early at 62" to "wait until 70 for the biggest payout." Today, we break down how to evaluate your optimal Social Security claiming age based on:

✅ Life expectancy and personal health

✅ Investment portfolio pressure

✅ Income penalties before full retirement age

✅ Emotional and psychological factors

✅ Spousal strategies and survivor benefits

✅ Common myths around Social Security going away

Plus, we share general rules of thumb and how we use financial planning software to tailor decisions to each client’s situation. If you're wondering whether to take benefits early, wait, or plan around your spouse's benefit—this episode is for you.

🔍 Also in this episode:

We dive into recent headlines including Donald Trump's proposal to reduce financial reporting from quarterly to twice a year, and what that could mean for investors, transparency, and long-term investing.

We also explore the controversial concept of 24/7 stock trading, the impact on markets, investor psychology, advisors, and why this shift might not be as exciting as it sounds.

🧠 Key Topics Covered:

-When to claim Social Security benefits

-Financial planning considerations for retirees

-Trump's proposal: Semi-annual vs. quarterly earnings reports

-The future of 24/7 trading on the NYSE

-Market volatility and global market influence

-Emotional and strategic considerations for retirement

👍 Like this episode?

💬 Email us your thoughts on Social Security strategy or 24/7 market trading. [email protected]  

📩 Subscribe for weekly market insights, financial education, and practical retirement advice.

🍿 Watch Next: https://www.youtube.com/watch?v=V4EkYJeQQqw 

🎙The Market Moment Podcast! Last week's episode...https://www.youtube.com/watch?v=m9qzllpFPO8&t=727s 

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🎙️ About Us:

The Market Moment podcast is hosted by financial advisors from Mach 1 Financial Group, a registered investment advisor based in Rogers, Arkansas. We deliver weekly insights into financial planning, retirement strategy, investing, and current market trends.

📢 DISCLAIMER:

The hosts of the Market Moment podcast are employees of Mach 1 Financial Group, LLC (“Mach 1”), a registered investment advisor located in Rogers, Arkansas. A copy of Mach 1's current written disclosure brochure is available through the SEC website and at disclosures.mach1fg.com

.

#SocialSecurity #RetirementPlanning #FinancialAdvice #MarketNews #Investing #StockMarket #TrumpNews #247Trading #Mach1Financial #MarketMomentPodcast #PersonalFinance #RetirementStrategy #EarningsReports #FinancialLiteracy