MP019: Facts, Framework & Approach with Jason Ranallo

In times of market swings, it’s easy to feel like you’re being swept along by a wave of headlines and data points. At Vector Wealth, we believe that while facts, like market prices, are important, they only tell part of the story. Sound investment decisions come not just from knowing the facts, but from having a framework that gives those facts meaning and direction.

In our latest podcast episode, Facts, Framework & Approach, Jason Ranallo walks through the current state of the market and economy. Then we follow up with our views and perspective:

• 📉 This week markets brushed up against bear market territory, declining nearly 20% from February highs. We have seen some recovery since the low.
• 🧮The S&P 500 index whipsawed this week after on-again, off-again tariff talks were paused — though not without caveats.
• 📊 Unemployment is at 4.2% — up, but still within a historically normal range.
• 📉 The Fed Funds rate is holding steady at 4.33% after a series of cuts that started in September 2024 when the rate was 5.33%.
• 🛒 The inflation rate has cooled to 2.8%, down significantly from its 2022 peak and down slightly from its year-to-date average.

These key investment frameworks shape our approach:

1. Time Horizon – Time in the market is more effective than timing the market.
2. Real Returns – Wealth is built by outpacing inflation.
3. Diversification as a Discipline – Prepare for multiple outcomes & uncertainty.
4. Compounding of Growth Assets – Given time, returns effectively earn returns.

Two key tenets of our bucket-based approach include:

1. Planning for 2–3 years of assured income to avoid becoming a forced seller of long-term assets in a down market.
2. Staging growth assets for the long term to isolate the potential volatility of stocks into later buckets to position for compounding growth.

Our view is that by maintaining this diversified stance, clients will be better prepared for what comes next. As always, we’re here to help you make informed, confident decisions about your financial future.

-

New to Vector? Schedule an introduction at vectorwealth.com/start

-

V25099236

vectorwealth.com/regulatory

All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice.

Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation of a strategy or investment. This podcast and related content are not intended to render personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities or strategies discussed.

Please note that neither Vector Wealth Management nor any of its agents give legal or tax advice. The firm is not engaged in the practice of law or accounting. Charts, graphs, and returns do not represent the performance of Vector Wealth Management or any of its advisory clients. Returns presented do not reflect the impact that advisory fees and other expenses would on the results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment, asset category, or strategy will be suitable or profitable for a client’s portfolio.