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

InvestTalk, independent 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 Portfolio Manager, Luke Guerrero.

Good afternoon, fellow investors, and welcome back to another episode of InvestTalk.

As you are well aware, we are now into the fourth quarter, and it won't be long until we're all taking a little bit of a well-deserved rest and break with our families over this holiday season.

And I think I can speak for each and every one of us. When I say that this

year has moved so, so quickly, and with that whiplash of time, it is easy for us as people with

things going on in our lives to lose focus. But now is not the time to do so. You've seen

thus far this year how quickly things can change, how narratives can change, how the market can

therefore change, and what that does to your portfolio. And so each and every day through

2025, all the way going back to the 90s, really,

we here at InvestTalk have hopefully been a part of your financial journey.

And that's because our objective for each podcast, each radio program,

is to help make you a better and more informed investor.

We do that by bringing a mixture of educational and actionable material to the table.

But the most important part of this show is dictated by you, our listener, through your

finance and investment questions.

And because that's the case, before we go and talk it out about today's market performance,

before we run down the show topics,

let's tackle this caller question now.

Hi, this is Mike from Dallas.

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