5 WAYS TO MEASURE YOUR GENERAL FINANCIAL HEALTH Personal finance measures can help give you a better general understanding of your current financial wellness and track your progress over time. Emergency Fund We generally recommend that you have 3 to 6 months’ worth of nondiscretionary monthly expenses (e.g. mortgage/rent, insurance, utilities, groceries, etc.) held as liquid assets, such as in cash, savings, or a money market account. The location should allow the funds to be

Stocks Hold Steady Despite a Busy Month of Geopolitical and AI Headlines Monthly Market Summary · The S&P 500 Index returned -0.1%. Energy led all S&P 500 sectors with a +12.6% return as geopolitical tensions caused oil to trade higher. Financials (+6.2%) was the second-best performing sector, followed by the defensive trio of Real Estate (+2.5%), Health Care (+2.4%), and Consumer Staples (+2.1%). Technology (-3.4%) underperformed as AI stocks gave back some of their g