Increasing uncertainty, rising inflation, and slowing economic growth are causing concern among investors, leading them to take a more defensive approach—reducing risk, shifting equity exposure, and turning to fixed income. Many are asking: What’s driving the moves? And how should investors respond?



In this episode, CEO Sammy Azzouz shares client questions, while CIO Bob Weisse breaks down the latest updates on U.S. and international stock and bond markets. They’ll discuss how our investment team is positioning portfolios, what data they’re watching, and what investors should—and shouldn’t—do in uncertain times. Tune in for insights to help you navigate today’s landscape.

Plus, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Have questions or topics you’d like us to cover? We’d love to hear from you! Email us at [email protected].

Could this be the year international markets outshine the U.S.? Jeffrey Kleintop, Chief Global Investment Strategist at Charles Schwab, believes a new cycle has begun—one that could make global investing more rewarding than it’s been in years.

In this episode, Jeff explains why international markets are gaining momentum, what’s driving global growth and earnings, and how overseas valuations stack up against the U.S. He also puts tariffs and their impact on companies and stock markets into perspective—are they more bark than bite?—and shares what investors should keep an eye on in the months ahead.

Take your wealth to the next level with How To Build Your Next Million, our educational video course and ebook. You’ll learn the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at [email protected].

Markets started strong in 2025, but uncertainty and volatility loom. How should investors respond?

In this episode, Heritage Financial’s CIO, Bob Weisse, and CEO, Sammy Azzouz, break down what’s happening in the markets and how to make smarter investment decisions in today’s environment, including:

• The latest on Fed policy and what it means for your portfolio
• Fixed income investing—why it matters, the risks, and how to invest in different sectors
• The danger of chasing recent winners and how to avoid common mistakes
• Behavioral finance basics that every investor should know

Plus, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Have questions or topics you’d like us to cover? We’d love to hear from you! Email us at [email protected].

Full valuations, index concentration and the potential for a resurgence of inflation have set the stage for a fragile market environment. Can prices rise further from here? Absolutely. Yet the possibility of setbacks is equally real, underscoring the importance of durability in 2025.

In this episode, we spotlight an audio replay of our 2025 Market Outlook webinar titled Bridging the Divide. Bob Weisse, Heritage Financial’s CIO, and Brad Long, CIO at Fiducient Advisors, discuss today's markets and economy, and share expectations for 2025 and beyond.

Read more detail in our written 2025 Market Outlook: Bridging the Divide.

Get a head-start on your financial resolutions with our new video course and our ebook, How To Build Your Next Million! These resources highlight the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at [email protected].

In this first episode of the new year, Sammy and Bob recap 2024's market performance and share insights for the year ahead. Will 2025 bring strong returns, or are we heading for a correction? A wide range of outcomes are possible, so preparation is key. Bob dives into the data driving both short- and long-term outlooks, including:

• Stocks vs. bonds
• U.S. vs. international markets
• Portfolio risk management strategies
• Recent currency moves and future predictions

And because it seems no one can stop talking about it, Bob wraps up with his take on the Cybertruck.

Tune in for insights, strategy, and a touch of tech talk as we set the stage for 2025!

In this special episode of Wealthy Behavior, we are wrapping up a great year of amazing guests, excellent listener questions, and delivering insight to listeners by highlighting 6 enduring, valuable investment strategies and lessons from our 2024 episodes: The building blocks of financial literacy, the importance of investing internationally, the truth about dollar-cost averaging, a primer on private equity vs venture capital, private credit, and some non-monetary advice for those 5-10 years out from retirement.

Take your wealth to the next level with How To Build Your Next Million, our educational video course and ebook. You’ll learn the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at [email protected].

Sammy and Bob discuss the market’s reaction to the election results and what might lie ahead. Taxes, tariffs, and immigration lead the new administration’s agenda, and related announcements are already moving markets. With the Republican sweep, there is potential for significant changes happening under Trump’s administration compared to a divided government. Given the wide range of outcomes, we expect some near-term market volatility. Bob also shares actionable insights on portfolio strategies for stocks and bonds, helping investors navigate this uncertain landscape. Plus, they dive into Elon Musk’s potential influence on the government, Fed rates, inflation trends, and the S&P 500's momentum.

Take your wealth to the next level with How To Build Your Next Million, our educational video course and ebook. You’ll learn the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at [email protected].

Join Heritage Financial’s CIO, Bob Weisse, and CEO, Sammy Azzouz, as they discuss Tuesday’s election results and the potential market and economic impact of the policies President-Elect Donald Trump discussed on the campaign trail.

Stock markets responded positively to the potential for new tax cuts, extension of the Tax Cuts and Jobs Act, and deregulation, which could benefit economic growth. On the other hand, the rise in bond yields signals worry that fiscal stimulus, anticipated tariff increases, and immigration reform may lead to higher debt, inflation, and slowing global trade.

Tune in as we discuss the markets, economy, and strategies to help protect your investment portfolio during this time of uncertainty.

Take your wealth to the next level with How To Build Your Next Million, our educational video course and ebook. You’ll learn the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at [email protected].

Women face unique challenges and setbacks compared to men when it comes to finances. From longer life expectancies, to earning less, and greater caregiving responsibilities, on this episode Kenzie Ferris, CFP, CLTC, AWMA and Wealth Manager at Heritage Financial, shares some common financial challenges faced by women and ways to get ahead of them.

Would you rather avoid this conversation? You aren’t alone. Talking about finances can be uncomfortable and complicated. But the fact is that over 90% of women will be solely responsible for their finances at some point in their lives. Talking about your money, your goals, your worries, and planning for the expected-and unexpected-can help you feel more confident and empowered. Let’s start the conversation!

Take your wealth to the next level with How To Build Your Next Million, our educational video course and ebook. You’ll learn the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at [email protected].

With only a quarter left to go, investors are pleased with 2024’s stock and bond markets thus far. Heritage Financial’s Chief Investment Officer, Bob Weisse, joins CEO, Sammy Azzouz, to discuss recent performance and:

• David Tepper’s call to “buy everything related to China”
• The health of the US consumer
• Bonds are no longer ugly-get your bond allocation right
• What to look for when investing in small cap stocks
• Developing ways to be more tax efficient

Take your wealth to the next level with How To Build Your Next Million, our educational video course and ebook. You’ll learn the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at [email protected].