On radio, on YouTube, streaming live on invest talk.com, and for our podcast subscribers, this is InvestTalk. Incependent thinking, shared success.

Invest talk is made possible by KPP Financial, a registered investment advisor firm, serving clients throughout the United States.

Here is KPP Financial Chief Executive Officer, Financial Advisor, Justin Klein.

Good afternoon, fellow investors, and welcome back to Invest Talk.

This is our Monday, May 12th, 2025 edition of InvestTalk.

And as we work through these dynamic markets, we all should be ready to make changes when necessary, but also not react to headlines.

And focus on the facts on the ground, not hyperbole.

And that's what this show is really about.

And we do that by answering your finance and investment questions and helping you be ready for the fresh challenges that will always come.

So our job is to prepare you, not just for tomorrow, but the weeks, months, and years ahead.

So I'm Justin Klein, and my goal each and every day is to that end.

Help you take your next step in your own version of financial freedom.

And once again, we do that by answering your questions, but also giving you data and perspective

so that you can bring it back to your own personal situation,

have the right frame of mind to make the right decision.

Because your situation is different than everybody else's.

You have your own idiosyncrasies of your personality, your loved ones, your career path,

your lifestyle choices.

All of these things lead up to something that's very different than the next person.

And so it's about having the right principles in place so that you can apply them effectively to your own situation.

Now, in just a bit, we're going to talk about today's market activity and run down the show topics.

But as usual, let's tackle this first caller question now.

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