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

Independent thinking, shared success. InvestTalk is made possible by KPP Financial, a registered investment advisor firm, serving clients

throughout the United States. Here is KPP Financial Portfolio Manager, Luke Guerrero.

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

I'm your host, Lou Guerrero, and today is Friday, December 5th, 2025.

December! Wow!

I cannot believe that we are already almost fully through this year.

A year that has been

chaotic at times, but certainly not boring.

The fourth quarter is racing to the finish line, but just as you end a year, just as you

end a race, you all know that you cannot lose focus. It is a critical time, a time where

you're concerned about taxes, a time where you're concerned about the holidays, about spending,

about all sorts of things. And so we here at InvestFoc hope that we make the difficulty of times like these just a little bit easier by bringing you

those stories, by bringing you that information, by bringing you the relevant facts so that you

can make informed investment decisions. And we don't just do that through this daily podcast,

this radio program, our YouTube content.

We also do that from time to time with wealth webinars. And so in only four days on December

9th, Justin and I will be hosting a new Invest Talk wealth webinar. The title really tells

the story. It's called Year End Tax Toolkit. It'll be about RMD planning, about tax loss

harvesting, about deferral strategies, and frankly about a lot more. Because as 2025 wraps up,

now's a great time to identify and lock in your smart year-end moves. We are ready to help you

with this new InvestTalk wealth webinar. We'll share those important

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