Join Synergy Capital Solutions Director of Investments, Eric Nahat, as he talks through the 3Q 2024 Recap & 4Q 2024 Outlook. Some topics of discussion include:

• Market Recap – 2024 Asset Class Performance

• Stock Market – What to Expect in the Third Year of the Bull Market

• Performance Drivers – Expectations for Earnings Growth in 2025

• Interest Rates – Comparing the Market’s & Fed’s Forecasts

• Inflation Update – Progress Stalls as Goods Deflation Slows

• Economic Trends – What’s Driving U.S. Economic Growth?

• Historical Perspective – Comparing the Economy in 2016 & 2024

• What to watch

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

In this episode of Your Financial Plan-It, Synergy Capital Solutions Advisors Alex Burns, CFP®, and Brennan M. Ifkovits share their tips for year-end planning and share how to prepare for 2025.

The end of the year can be a busy time for many, but it's important to take a moment to reset and realign your financial plan while planning ahead for the new year.

Topics of discussion include:

-Specific areas to look at within your plan before the year ends

-Planning for 2025 and what to prepare for

-Looking at how your goals translate to your plan

For personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.

synergycapitalsolutions.com

[email protected]

(888) 363-4546

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

The holiday season often leads to increased spending, which can significantly impact your bank balance, especially if you haven’t saved or planned for it. While you might think a January financial hangover is inevitable, it doesn’t have to be that way. Advance planning can help you avoid financial stress and fully enjoy this joyful time of year.

In this episode of Your Financial Plan-It, Synergy Capital Solutions Advisors Jordann M. Andrusiak, CFP®, and Kevin R. Keith, CRPC®, CRPS® share their tips for planning your spending and navigating your financial plan during the holiday season.

Topics of discussion include:

-The temptations of sales and ‘special offers’

-Exploring gift options – physical gifts, experiences or memories

-Planning and making lists for gifting, gatherings and holiday activities.

-Avoid the last-minute stress and panic buying

For personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.

synergycapitalsolutions.com

[email protected]

(888) 363-4546

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 3Q 2024 Recap & 4Q 2024 Outlook. Some topics of discussion include:

• Market Recap – Timeline of Key Events in 2024
• Interest Rates – Federal Reserve Cuts Rates by -0.50%
• Path Forward – How much could rates be cut by?
• Economic Trends – Watching Interest Rate Sensitive Industries
• Historical Perspective – How Does the S&P 500 Perform During Rate Cuts?
• Labor Markets – Weakening, but Not Weak by Historical Standards
• What We’re Monitoring – Number of Companies Mentioning “Recession”
• Presidential Election – Staying Invested vs. Choosing Sides

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions advisors Eric Nahat and Alex Burns, CFP® as they discuss investing through election years.

Topics of discussion include:

• Why its important to stay invested during election years
• Historical data which shows that it is much more impactful to stay invested than to try and time the markets
• How we approach election years in our plans looking at the long-term solutions

The Synergy Capital Solutions team provides a full suite of wealth management solutions that can help individuals and families reach their financial goals. Call us today at 888-363-4546 or email us at [email protected]. We’re ready to get started.

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions advisors M. Alex Burns, CFP® and Caryn Fields, CFP® as they discuss planning for your legacy.

Topics of discussion include:

• The 2017 Tax Cuts and Jobs Act

• What the upcoming changes mean for our clients

• Importance of your plan and selecting which professionals to work with

• Three things you can do now to define your legacy

• The importance of working with your professionals to have all your pieces in place

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 2Q 2024 Recap & 3Q 2024 Outlook.

Some topics of discussion include:

• Asset Classes – Mid-Year Performance Update
• Performance Drivers – Earnings Growth vs Valuation Multiples
• Equity Factors – The Biggest Companies Are Outperforming in 2024
• Inflation Update – What is the Federal Reserve Looking For?
• Interest Rates – More Central Banks are Starting to Cut Interest Rates
• U.S. Economy – Monitoring the Economy on Weekly Basis
• Importance of Diversification

Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Budgeting is the cornerstone of financial stability, enabling you to manage your money effectively, prioritize expenses, and work towards achieving your financial goals. By distinguishing between essential and discretionary spending, tracking expenses diligently, and adhering to established budgeting techniques, you can gain control over your finances and pave the way for a secure financial future.

Key elements discussed in this episode include:

• Essential versus Discretionary Spending
• Calculating Monthly Income and Expenses
• Implementing Budgeting Techniques
• Tracking Expenses Methodically

For personalized guidance tailored to your specific financial circumstances and goals, speak to one of our advisors at Synergy Capital Solutions to help you develop a comprehensive budgeting strategy aligned with your objectives.

synergycapitalsolutions.com [email protected] (888) 363-4546

Hightower Advisors, LLC is an SEC registered investment advisor. Securities are offered through Hightower Securities, LLC, Member FINRA/SPIC.

Join Synergy Capital Solutions Director of Investments Eric Nahat as he talks through the 1Q 2024 Recap & 2Q 2024 Outlook. Some topics of discussion include:

-Historical Market Events

-Market Returns – S&P 500 Index Sets Multiple New Highs in Q1 2024

-S&P 500 Bull & Bear Markets

-The Odds of Cash Underperforming Are High

-Credit Markets – Investors Now Expect Fewer Rate Cuts This Year

-Inflation – Slowing Progress and the Impact of Rising Gasoline Prices

-Labor Market – The Unemployment Rate Starts to Creep Higher

-Consumer Health – The Low Savings Rate Signals a Willingness to Spend

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.

Join Alex Burns CFP® as he talks to Synergy advisor Norton Stern about this 55 years working in the financial industry.

Some highlights include:

• Why a financial plan is important
• Norton's experience over his career
• Estate Planning and what you should be doing
• Business succession planning and taking care of your clients

Hightower Advisors, LLC is an SEC registered investment adviser. Securities are offered through Hightower Securities, LLC, Member FINRA/SIPC.