As we move into the holiday season a time filled with both joy and financial stress it is worth taking a moment to reflect on our relationship with money, Between rising prices market fluctuations and everyday financial pressures it can be easy to focus on uncertainty However finding gratitude grace and purpose in our financial lives can help create balance and confidence no matter what the headlines say, The market may change but your plan should not, It has been a resilient year for investors Despite mixed economic signals markets have remained positive with the S&P 500 up more than 16 percent year to date 1 For long-term investors that is encouraging news but it is also a reminder not to let short-term swings dictate your strategy Market corrections are a normal and healthy part of the investing cycle They create opportunities to…, Find financial gratitude, With inflation still high and expenses like healthcare and housing continuing to rise financial stress is common Yet even during challenging times gratitude plays an important role in building resilience Start by celebrating small wins such as Paying off a bill or loan Contributing to a 529 or retirement account Staying consistent with a budget Filling your gas tank without worry Progress not…, Give yourself grace, Financial success is not only about numbers It is also about mindset Everyone makes mistakes or falls short of goals Extending grace to yourself allows you to reset and refocus instead of getting stuck in guilt or fear Behavioral finance plays a key role in this Many financial habits are formed in childhood influenced by how parents handled money Understanding your “money story” can help you…, Purpose brings peace, Every financial plan should start with understanding your “why” Why are you saving investing or planning For some it is funding a child’s education For others it might be buying a home retiring comfortably or leaving a legacy Clarifying the purpose behind your wealth transforms financial planning from a set of transactions into a meaningful journey It also makes saving and spending feel more…, Building confidence through planning, Working with a trusted advisor helps turn gratitude and purpose into actionable steps Together you can Assess your current financial position Define short- medium- and long-term goals Automate savings and investments Adjust spending to fit your priorities Build flexibility into your plan as life evolves Financial planning is never one-size-fits-all A strong plan should reflect who you are…, Conclusion, Developing a healthy money mindset requires combining gratitude grace and purpose with consistent planning It is not only about growing wealth but also about creating confidence balance and peace of mind At Mesirow we help clients look beyond the numbers to discover what truly matters in their financial lives Whether you are saving for tomorrow or learning to enjoy what you have built today the…

January 21 2025 |, By, Uto Shinohara CFA, Introduction Inflation had been on a productive trajectory lower since peaking in the US in mid-2022 However the inflation fight was harder to win than expected as lingering CPI led the Fed to pause keeping rates high-for-longer to combat its stickiness  This and the Republican clean sweep in the US election led to the US dollar outperforming the rest of the G10 currencies in 2024 As Trump begins…, Explore more currency insights, Four strategies to reduce liquidity management stress, Different approaches can help investors manage the liquidity challenges associated with their currency program   Read article, Safe haven currency hedging, Why do US and Swiss pension funds use different currency risk strategies Read article   *Incumbent sources https//wwwvisionofhumanityorg/2024-the-year-incumbent-governments-lost-power/ https//wwwpewresearchorg/global/2024/12/11/global-elections-in-2024-what-we-learned-in-a-year-of-political-disruption/ https//apnewscom/article/global-elections-2024-incumbents-defeated-…