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

I'm your host, Luke Guerrero, and today's Friday, October 17th, 2025.

And we are well on our way deep, deep into the fourth quarter of the year 2025.

October is more than half way done.

And in some places in the U.S., it already feels more like winter.

I know here in Los Angeles, we had a torrential downpour on Tuesday,

snow in the mountains, and so it seems the holidays are right around the

corner. And as we quickly move through the fourth quarter and closer to the end of the year,

we cannot lose focus. With regard to the stock market, your portfolios, now is not the time

to stop paying attention. And so we here to invest talk, see our mission, our objective for this show

is to each and every day help make you a better and more informed investor. We want to help

you understand market dynamics and especially how those dynamics affect your lives. To that end, we have a mixture of educational and actionable material to go over today,

but the most important part of this show comes directly through your finance and investment

question contributions via voicemail over on our YouTube or live throughout the show.

Now, in just a bit, we'll talk about today's market performance and run down those show topics,

but let's tackle this caller question now.

Hey, I was just wondering about Neptune company.

You're an insurance company dealing with flood insurance, and government has kind of backed off of flood insurance.

So I was just curious what your thoughts were investing in Neptune at this time.

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