Checking In with Ara – October 2025
Power, Precision, and Planning Ahead
I’ve been on the road quite a bit lately, traveling between San Diego and Scottsdale to meet with clients. While I was back in San Diego, I had the chance to visit the Miramar Airshow with my nephew and brother-in-law. Watching the F-35s in action was absolutely incredible—the sheer power, precision, and technology behind those jets were jaw-dropping. It’s hard not to feel inspired by the skill and dedication of the pilots who fly them.
On the financial front, the Federal Reserve recently announced a 25-basis-point rate cut and suggested there may be more to come. So what does that mean for short-term bonds? When rates fall, bond prices generally rise, which can benefit Bucket 1—the portion of your portfolio designed to provide near-term income and stability. This is why many of our clients include a mix of managed bond portfolios, high-yield money markets, T-bills, and fixed annuities in their Bucket 1 allocation. Together, these tools help keep volatility in check while maintaining flexibility as interest rates shift.
As we approach the end of the year, it’s also time to review your Required Minimum Distributions (RMDs) for the 2025 tax year. If we haven’t already taken care of yours, please reach out so we can schedule a quick meeting to ensure everything is handled properly before year-end.
I hope you’re doing well and finding time to enjoy the fall season—I look forward to catching up with you soon.
Important Information:
These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable. The information in these materials may change at any time and without notice and its accuracy cannot be guaranteed.
There is no guarantee that any investment strategy will meet its stated objective. All investments involve risk, including potential loss of principal.
Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Bonds are subject to availability, change in price, call features and credit risk.
Money Market mutual funds, though traditionally lacking federal insurance, are not without risk and are highly regulated under federal law.
Before investing, carefully consider a mutual fund’s investment objectives, risks, charges, and expenses. To obtain a prospectus or summary prospectus, which contains this and other information, call your financial advisor. Read the prospectus carefully before investing.
Treasury securities are backed by full faith and credit of the U. S. Government but are subject to inflation risk.
Annuity protection guarantees are based on the claims-paying ability of the issuing insurance company.
IRA withdrawals will be taxed at ordinary income rates. Withdrawals prior to age 59½ may also be subject to a 10% penalty tax.
Ara Freedman is a registered representative with, and securities and advisory services offered through LPL Financial, a registered investment advisor and member FINRA/SIPC.
LPL Financial CA Insurance Lic. #0518721 - LPLIA CA Insurance Lic. #0B91442
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