Financial Market Update – Week of 4/27/26

April 27, 2026

Last week, leading stock indices held their ground near record levels, resilient but rangebound. Surging retail sales and a re-acceleration in manufacturing confirmed the U.S. expansion is intact, while gradual cooling in the job market kept Federal Reserve rate cuts in play for later this year.

The economy looks solid, but policy uncertainty is rising. So, with that in mind, here’s a brief overview of how the major indexes finished, what drove numbers last week, and what to look forward to in the week ahead. 

Stock Index Performance 

Macro Picture

The U.S.-Iran ceasefire shows strain. The U.S.-Iran ceasefire agreed to in early April continued to fray throughout last week, with the latest peace talks in Pakistan appearing to hit a dead end over the weekend. The Strait of Hormuz remains severely disrupted, due to action by the United States and Iran, making the conflict a potential flashpoint for markets.

Fed’s future direction in question. Kevin Warsh’s Senate confirmation hearing to become the next Fed Chair caught Wall Street’s attention. His message was pointed: the Fed needs a stricter grip on inflation and should wean itself off the balance-sheet tools deployed heavily post-COVID. Markets read that as a higher-for-longer signal on rates, not a crisis, but a meaningful shift in the policy backdrop that could quietly reshape the investing environment in the months ahead.

Consumer spending leads the way. March retail sales jumped 1.7% in a single month, well above expectations, with broad-based strength across spending categories. Factory activity reinforced the picture, with the Manufacturing PMI (Purchasing Managers’ Index) hitting a four-year high. Together, these two data points indicate the U.S. expansion is intact and gaining momentum into Q2, though stronger growth keeps the Fed on hold for longer.

The Week Ahead 

The Fed’s rate decision and Chair Powell’s press conference following the April 28-29 meeting will headline the week’s agenda. No rate move is expected, so the focus will shift entirely to Powell’s tone. A hawkish message, flagging inflation risks and pushing cuts further out, could pressure growth stocks and nudge yields higher.

The other highlight of the week is that five of the Magnificent Seven will report earnings, with Alphabet, Amazon, Meta, and Microsoft posting results on Wednesday (April 29), followed by Apple on Thursday (April 30). Expectations are high. Investors will focus on cloud growth, AI capital spending, and whether margins are holding up. Strong results and confident AI commentary could validate current valuations and keep the rally alive. However, cautious guidance or any softness in revenue growth could trigger a pullback, even if the macro backdrop stays supportive.

Markets rarely move in straight lines, and weeks like this one are a good reminder of why staying informed matters. We are keeping an eye on how things are moving and are here to be a resource for you. 

If anything in this update raises questions or if you’d just like to touch base on your strategy, reach out anytime.

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April 20, 2026

U.S. stocks rallied broadly last week. Solid early earnings reports and signs of easing tensions in the Middle East gave investors plenty to feel good about, and even a bump in March inflation wasn’t enough to dampen markets. Bond yields stayed relatively steady, and the Federal Reserve still looks unlikely to cut rates anytime soon.

However, tensions reignited over the weekend in the Strait of Hormuz, serving as a reminder that easing tensions in the region are not always guaranteed.

Here’s where the major indexes landed and what to keep an eye on this week.

Stock Index Performance 

  • The S&P 500 advanced 4.54%.
  • The Nasdaq 100 surged 6.20%.
  • The Dow Jones Industrial Average climbed 3.19%.

Behind the Numbers

Geopolitics brought a sigh of relief, but not for long. After weeks of disruption to oil shipments through the Strait of Hormuz, ceasefire hopes and stabilizing shipping conditions helped fuel a broad stock rally, while oil prices pulled back as investors grew more confident that supply disruptions would prove temporary. However, at the end of the weekend, tensions flared again in the Strait of Hormuz, underscoring that the conflict’s end remains a question mark.

The inflation headline looked scary. The details reveal a lighter picture. March inflation jumped to 3.3%, but nearly three-quarters of that spike came from gasoline prices alone. Strip out energy and food, and underlying inflation rose just 0.2%, modest and well-behaved. That distinction is why the Federal Reserve feels comfortable staying on hold, and why markets were largely able to shrug off the numbers and keep climbing.

Companies are delivering on earnings. First-quarter earnings came out over the week and showed growth of 13.2% year-over-year, the sixth straight quarter of double-digit profit growth, with companies beating estimates by nearly 11%. The strongest results have come from Technology, Financials, and Materials, while Energy and Health Care have been more mixed. With the major indexes above their long-run averages, the market could be leaving little room for disappointment.

The Week Ahead 

The central question heading into this week is whether conditions in the Strait of Hormuz continue to stabilize or deteriorate. A durable ceasefire would likely push oil prices lower and ease inflation concerns, giving the Federal Reserve more room to stay on hold. However, a continuation of renewed disruption could reignite energy prices and pressure central banks to keep rates elevated.

The other thing to watch in the coming week is whether strong earnings and economic data can continue to justify stock valuations. With the S&P 500 trading at a forward price-to-earnings ratio of nearly 21, above both its five-year and ten-year averages, the market is pricing in a lot of good news. More Q1 results are due this week, and with companies currently beating estimates by a double-digit margin, the earnings bar has been raised.

As always, know that we are keeping a close eye on the markets and are here to help you navigate whatever comes next. If you have questions about your portfolio or simply want to talk through what’s happening, don’t hesitate to reach out.

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April 13, 2026

U.S. markets posted their best weekly gain this year, with the major indexes all closing firmly in the green.

A fragile U.S.–Iran ceasefire pushed oil prices and interest rates lower during the week, only to be driven up by threats of a blockade late in the weekend. Additionally, March’s inflation report showed that the recent price spike was driven mostly by energy costs.

The underlying data supports that view. Inflation outside of energy is contained, the job market remains on solid footing, and policymakers can afford to stay patient.

Below is a closer look at what drove last week’s moves and what to watch in the week ahead.

Stock Index Performance 

U.S. equities posted broad-based gains this week:

  • The S&P 500 advanced 3.56%.
  • The Nasdaq 100 surged 4.45%.
  • The Dow Jones Industrial Average climbed 3.04%.

What Moved Markets

U.S.–Iran ceasefire and blockade impacts. The news significantly reduced fears of a prolonged supply disruption. Brent futures hit ​their lowest in nearly a month at $90.40, reversing the spike that had pushed gasoline above $4.00 per gallon. Lower oil prices pulled interest rates down, and follow-up U.S.-Iran negotiations in Islamabad added to the sense that the immediate threat has eased. However, over the weekend and into Monday, the United States has threatened to blockade the Strait of Hormuz after additional peace talks ended without a deal, serving as a stark reminder of how unpredictable this conflict and its impacts have become.

March’s inflation report brought welcome news. The recent price surge was almost entirely energy-driven, not a sign of broader inflationary pressure. The Consumer Price Index (CPI) rose 3.3% year-over-year, its highest since mid-2024, but energy alone accounted for nearly three-quarters of that increase. Core inflation came in slightly below expectations at 2.6%, with prices falling in several categories, including medical care. Markets viewed it as confirmation of a temporary shock rather than evidence of a lasting inflation trend.

The Federal Reserve has every reason to stay patient. With oil prices falling and core inflation calm, bond markets rallied, and the 10-year Treasury yield drifted toward 4.3%, near a three-week low. The ceasefire triggered a sharp single-day drop in yields midweek as investors moved back into Treasuries. Currently, markets are not pricing in a cut for the next Fed meeting on April 28-29.

The Week Ahead 

Earnings season gets underway with the big banks. Goldman Sachs reports on Monday, April 13, followed by a concentrated schedule on Tuesday and Wednesday, which includes JPMorgan, Citigroup, Wells Fargo, Bank of America, BlackRock, and Morgan Stanley. These results will give investors their first real look at profit trends, loan demand, and credit quality for 2026. Management guidance will be watched closely for any signs that the economic outlook is shifting.

Tuesday’s Producer Price Index (PPI) will be the week’s most important inflation release. After March’s energy-driven CPI surge, the PPI will show whether those higher costs are feeding through into broader business pricing. A stronger-than-expected read on either prices or growth could quickly shift expectations around Fed policy.

The weeks ahead may bring more volatility as earnings, inflation data, and geopolitical developments continue to drive sentiment. As always, I am watching closely and keeping an eye on the markets. 

If you have any questions about your portfolio or would like to talk through your strategy, don’t hesitate to reach out. We are here to help. 

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April 6, 2026

Last week’s holiday-shortened trading period was defined by tension between the ripple effects of the ongoing geopolitical conflict and surprisingly resilient domestic data. 

Better-than-anticipated employment figures steadied nerves and revived the soft-landing narrative, even as elevated interest rates kept a ceiling on how far stocks could rally.

Beneath the surface, investors shifted toward quality companies and more defensive sectors, while rate-sensitive growth names stayed volatile. 

Below is a look at the forces behind last week’s moves and what to keep an eye on in the coming week. 

Stock Index Performance 

All three major indexes posted solid weekly gains:

  • The S&P 500 advanced 3.36%.
  • The Nasdaq 100 climbed 3.95%.
  • The Dow Jones Industrial Average gained 2.96%.

What’s Driving Markets Right Now

  • Oil Markets and the Iran Shock. The US-Israel conflict with Iran has pushed oil back into triple-digit territory, with Brent crude climbing more than 60% during March on fears of supply disruptions around the Strait of Hormuz. For investors, the implications are straightforward: higher fuel and transport costs delay inflation’s retreat and put pressure on consumer spending.
  • Sentiment Stabilizes After a Turbulent Stretch. Emerging from a difficult run, investor sentiment began to improve. Treasury yields stayed elevated as markets absorbed the Fed’s “one cut in 2026” outlook, weighing on rate-sensitive growth and technology stocks early in the week. Confidence built steadily, with upbeat ADP jobs data and solid retail and manufacturing figures, before Friday’s jobs report eased lingering fears of a sharper downturn.
  • Good News on Jobs, With a Few Caveats. March delivered an encouraging surprise on Friday. Employers added 178,000 new positions, roughly doubling what analysts had expected, with gains led by health care, construction, and transportation. February’s numbers were revised sharply lower, and the average workweek shortened slightly. Still, the economy is expanding at a measured pace, solid enough to ease recession fears, but it is likely that the performance is not strong enough to alter the Fed’s current stance.

The Week Ahead 

The primary focus will be on incoming inflation data, with the March Personal Consumption Expenditures (PCE) index due Thursday, April 9. Additionally, the Federal Open Market Committee (FOMC) minutes from the March meeting are set to be released on Wednesday, April 8, and will also be closely watched. Markets will be listening for any signal that policymakers view recent price pressures as temporary or persistent. Hotter readings would reinforce the higher-for-longer rate path; softer data would support the view that the economy is cooling gradually.

As the Q1 earnings season gets underway, attention shifts to what corporate America reports about demand, margins, and pricing power. Management commentary around energy costs, borrowing rates, and geopolitical disruptions will be just as revealing as the numbers, helping clarify whether recent volatility was a sentiment reset or an early signal of a more challenging path for equities.

The period ahead will likely test patience, as incoming inflation data, earnings reports, ongoing conflict, and Fed commentary keep markets unsettled. As always, know that I am watching the market and am here for you if you have any questions.

Broadly, if you would like to talk through changes to your portfolio or have any questions about your investment strategy, don’t hesitate to reach out. We are here to be a resource for you.

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April 1, 2026

March proved to be a turbulent month. Conflict with Iran sent oil prices skyrocketing, compounding inflation that was already proving hard to tame. Another big story from March was the March 17-18 Federal Reserve (Fed) meeting. We saw the Fed hold rates steady and quietly raise its own inflation forecasts. The message was unambiguous: rate cuts are off the table for now. 

The broader economy felt the strain. Consumer sentiment deteriorated noticeably, and the spending optimism that carried markets through much of 2025 wore thin. Stocks have sold off, and borrowing costs have climbed as caution replaced confidence. 

Below is a look at how markets performed in March, what drove the numbers, and where the key signals point.

Major U.S. Stock Indices 

Stocks retreated sharply in March, and the damage was not evenly distributed. What began as quiet consolidation near early-month highs gave way to a broad sell-off in the second half, as oil-driven inflation fears and geopolitical uncertainty prompted investors to pull back.

Across all three major indexes, news-driven swings around oil prices, the Iran conflict, and Fed expectations kept markets on edge, with large-cap growth stocks bearing the brunt of the selling.

What’s Driving Markets

Energy Shock: The New Macro Anchor. The conflict with Iran and the resulting disruptions to oil supply and shipping have made energy the dominant force shaping markets. In March, Brent crude surged more than 60%, a spike that hit households through higher gasoline and utility bills and forced investors to reassess virtually every asset class.

Inflation and the Fed: Caught in the Middle. The oil price jump arrived at an awkward moment. Inflation had been improving but had not yet returned to the Fed’s 2% target, and higher energy costs pushed it back up just as that progress was stalling. The Fed is in no hurry to cut, and markets that had been counting on rate relief will need to adjust to a longer wait (Schneider, 2026).

Growth and the Consumer: Thinner Buffers. Higher energy prices are affecting consumers and businesses simultaneously, while the economy is more vulnerable than it was when it entered 2026. Retail sales are cooling, confidence is eroding, and recession risk has risen. The more likely scenario is a slower, more fragile expansion; one where negative surprises carry more consequence than they would last year.

Markets and Risk Pricing: A Flight to Quality. Equity and credit markets are repricing in light of greater uncertainty and reduced support from the Fed. Economically sensitive stocks are under the greatest strain, while companies with strong finances and reliable earnings are proving more resilient. Rising longer-term rates are pushing up mortgage and loan costs, and credit markets are demanding higher returns for taking on risk.

The Bigger Picture: An Uneven Impact. The damage is never evenly distributed. An oil price surge of this magnitude tends to tighten global financial conditions, which weigh on emerging markets and multinationals with significant overseas revenues. 

The Bottom Line

With a turbulent market, a good approach can be to maintain a diversified portfolio with a long-term view. 

As we move into April, know that we are monitoring developments closely and that we are here for you if you have any questions. And as always, if you would like to review your portfolio, don’t hesitate to give us a call. 

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March 23, 2026

Last week’s dominant narrative pitted a still-solid U.S. economy against persistent inflation pressures and continued geopolitical conflict in the Middle East. This was highlighted as the Federal Reserve held interest rates steady at the March 17-18 meeting.

The ongoing conflict between the U.S., Israel, and Iran has continued to rattle sentiment. Brent crude oil prices surged over the past week, but fell as the Trump Administration signaled a potential for resolution on Monday morning. Additionally, equities struggled to sustain any recovery, ending the week with a fourth consecutive weekly loss.

Here’s where we ended the week, and a look behind what’s driving the numbers.

Stock Index Performance 

  • The S&P 500 declined 1.90%.
  • The Nasdaq 100 slid 1.98%.
  • The Dow Jones Industrial Average lost 2.11%.

What Moved Markets

  • The Fed is in no rush to cut. The Federal Reserve kept interest rates unchanged at 3.50%–3.75%, in line with expectations. Chair Powell acknowledged that rising energy prices stemming from tension in the Middle East could push inflation higher in the near term. Rate cuts are not imminent, and the Fed is firmly standing pat.
  • Inflation is still uncooperative. February’s Producer Price Index (PPI) rose 3.4% — the largest 12-month gain since February 2025. The underlying drivers were broadly elevated, not the result of any single outlier. Inflation is not yet moving convincingly back toward the Fed’s 2% target, and higher oil prices could extend that timeline.
  • The job market gives policymakers cover to wait. Weekly jobless claims fell to 205,000, a sign that layoffs are still low even as hiring has softened. A resilient labor market reduces any urgency to act. Patience, not pivots, seems to be the current operating mode for policymakers. 
  • Uncertain sentiment regarding Iran. Over the past few weeks, the conflict in Iran has set markets into chaos as oil prices surged and commentary from world leaders continued to shake sentiment. Most notably, on Saturday, President Trump issued a threat of military action if the Strait of Hormuz was not fully opened by Iran. However, Monday morning saw the President announce that Iran and the U.S. had been engaged in productive discussions regarding a resolution to the conflict, leading to a surge in markets. 

The Week Ahead 

Preliminary March Purchasing Managers’ Index (PMI) readings on March 24 will reveal whether the economy is still expanding or starting to lose steam. Markets will focus on services activity, new orders, and prices paid. Any weakness could stoke recession fears, while a strong print keeps a tighter Fed narrative firmly in place.

The war in Iran continues to drive volatility, with traders sensitive to any escalation that pushes energy prices higher. Elevated oil isn’t just a headline risk. It hits corporate margins, consumer spending, and bond yields simultaneously, complicating the path forward for both growth and inflation.

It’s a noisy environment right now, and that’s exactly when having a long-term plan can matter most. With that said, please know we are here for you if you have questions about recent developments or would like to talk through your strategy. Don’t hesitate to give us a call.

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Did Something in This Update Spark Your Interest?

Whether you’re a client or new to us, we’re here to help!

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March 16, 2026

Last week, U.S. markets faced a difficult combination of forces: an oil shock from the war in Iran and the effective closure of the Strait of Hormuz, a job market showing cracks, and inflation data that, while recently contained, is now under pressure from rising energy costs. 

Stocks came in wounded from the prior week and stayed under pressure as oil swung sharply between $88 and $120 a barrel. The growing fear is that a prolonged supply disruption could drive energy prices meaningfully higher just as the economy softens. 

Here’s how the major indices ended the week.

Stock Index Performance 

  • The S&P 500 declined 1.60%.
  • The Nasdaq 100 retreated 1.06%.
  • The Dow Jones Industrial Average lost 1.99%.

Macro Snapshot

  • Inflation: Good news, with a catch. February’s inflation report was the most encouraging in years, with prices up 2.4% annually and underlying inflation steady around 2.5%. But that data predates the conflict in Iran. The oil spike that followed could lift energy and headline prices considerably higher in the months ahead.
  • Oil is the wildcard. Iran’s threats to block the Strait of Hormuz have rattled energy markets and pushed average U.S. gas prices up over 20% since this time last month. Analysts see a wide range of outcomes for where oil prices will land, ranging from a retreat if disruptions ease to steep increases if the conflict persists. 
  • The Fed is stuck in the middle. With inflation still above target, jobs softening, and an oil shock in the mix, the Federal Reserve faces an uncomfortable set of choices. Rate cuts are harder to justify if energy prices re-accelerate, but rate hikes would pressure an already slowing economy. The Fed is still set to hold rates at 3.50% to 3.75%, and markets now expect just two small cuts by year-end. 

The Week Ahead 

  • The market’s focus shifts to the Fed’s March 17–18 meeting, the first of 2026 to include updated economic projections. The real question is what the Fed signals about the path ahead. Will the committee still pencil in multiple cuts this year, or shift toward higher for longer, given rising energy costs and a weakening job market?
  • The conflict in Iran remains the other major unknown. The turmoil has already taken an estimated 20% of regional crude and gas supply offline, triggering the largest weekly oil price jump since the early 1980s. Markets will be watching whether tanker attacks intensify or ease and how quickly Gulf producers can restore flows. Escalation could push crude toward $150 or beyond, while a cooling of tensions could bring some relief at the pump.

Between a Fed meeting, an active conflict reshaping global energy flows, and an economy sending conflicting signals, the week ahead will demand patience. 

Know that we are watching the markets as they evolve. If you have questions about your portfolio or want to talk through any shifts, don’t hesitate to reach out. We are here as a resource for you. 

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Did Something in This Update Spark Your Interest?

Whether you’re a client or new to us, we’re here to help!

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March 9, 2026

Last week brought two unwelcome surprises: a 35% spike in crude oil prices triggered by U.S. military conflict with Iran and a disappointing jobs report. 

Stocks drifted lower, and volatility picked up as investors rotated out of higher-growth areas and into more defensive names like utilities, dividend payers, and select energy stocks. 

The message from markets was cautious but not panicked. Slower growth, higher energy costs, and geopolitical risk are real headwinds, but a weaker economy could also give the Federal Reserve more reason to cut rates, which would eventually be a tailwind for investors. 

Here’s a look at how the markets performed last week. 

Stock Index Performance 

  • The S&P 500 declined 2.02%.
  • The Nasdaq 100 dropped 1.27%.
  • The Dow Jones Industrial Average lost 3.01%.

The Story Behind the Numbers

  • The Job Market Is Slowing. February’s jobs report was a clear disappointment. The economy shed 92,000 jobs, well below expectations for a modest gain. Data also revealed significant downward revisions to December and January, indicating a weaker labor market than previously reported. This isn’t cause for alarm, but it does signal that the strong job market of recent years is cooling.
  • The Broader Economy Is Still Holding Up. Despite the weak jobs report, a key measure of services industry activity — which covers everything from restaurants to healthcare to financial services — surged to its highest level since 2022. The takeaway here is that consumers are still spending, and businesses outside of government and tech are still growing.
  • A Complicating Factor: Rising Oil Prices. Escalating conflict in the Middle East sent oil prices soaring last week. Higher energy costs can feed directly into inflation, which puts the Federal Reserve in a bind. Even with the job market softening, some investors now fear policymakers may feel pressured to keep interest rates “higher for longer” to keep energy-driven inflation in check, which can be a drag on both the economy and markets. 

The Week Ahead 

  • The main events are Tuesday’s (March 11) Consumer Price Index (CPI) and Wednesday’s (March 12) Producer Price Index (PPI) reports for February. A higher-than-expected reading on either could revive fears that inflation is stuck above the Fed’s 2% target, especially with oil prices already pushing higher. A softer reading, on the other hand, could strengthen the case for rate cuts later this year.
  • With the March 17-18 Federal Reserve meeting about a week away, investors will also be listening carefully to any public comments from Fed officials. As of the start of this week, markets still price a near-0% chance that the Fed will cut rates at the March meeting. The inflation reports, combined with Fed commentary, will shape market expectations heading into the meeting.

The next few months will likely bring more volatility as markets look for clarity on three fronts: whether the job market continues to weaken, whether oil prices stabilize or climb further, and how the Fed responds. For long-term investors, staying diversified across sectors remains one of the most effective ways to manage through periods like this.

As always, we’re watching the market and are here to help keep you informed about the current financial climate. If you have any questions about your portfolio or would like to talk through these shifts, don’t hesitate to reach out.

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Did Something in This Update Spark Your Interest?

Whether you’re a client or new to us, we’re here to help!

If you have questions or want to learn more, schedule a quick 15-minute call with a member of our team by clicking here.

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March 1, 2026

Last month gave investors plenty to weigh. Job growth held firm, and corporate earnings delivered again, particularly among AI-driven companies. But inflation ticked back up, reminding us that the Federal Reserve’s job isn’t finished. The result was stocks remaining near record highs, yet with more day-to-day volatility.

It remains true that strategic investing isn’t just about timing the market; it’s also about understanding the environment. I’m here to help you make sense of the noise so you can feel confident and informed, no matter the landscape. 

Below is a look at how markets performed in February, the dynamics behind the numbers, and where we are focusing our attention.

Major U.S. Stock Indices 

February was a stress test for U.S. markets, with each major index responding differently to the same mix of solid growth, sticky inflation, and shifting sentiment around AI. Tech stocks, particularly software names, bore the brunt of the struggle, while the S&P 500 moved sideways and the Dow held up comparatively well.

What drove that divergence was a quiet but meaningful shift in investor priorities. Capital migrated from mega-cap tech and toward industrials, materials, and consumer staples.

  • The S&P 500 retreated 0.87%. 
  • The Nasdaq 100 led the decline at 2.32%.
  • The Dow Jones Industrial Average finished up at 0.17%.

Behind the Headlines

The Economy: Growth Holds, Inflation Lingers. The U.S. economy started 2026 on a solid footing. January numbers, released in February, showed that the economy added 130,000 jobs, well above expectations, and the unemployment rate dipped to 4.3%.

The problem is inflation. Consumer prices, producer prices, and the most recent data for the Fed’s preferred Personal Consumption Expenditures (PCE) showed the measure moved in the wrong direction, with core PCE climbing to 3.0%. Growth is holding up, but so is inflation.

The Federal Reserve: In No Rush. With inflation picking back up and the economy still resilient, officials see no urgency to cut. For the March Fed meetings, markets are pricing a near-zero chance of an additional rate cut. Instead, markets now expect one to two modest rate cuts later in 2026, but only if inflation clearly resumes its downward trend. For now, the Fed is likely standing pat.

Stocks: Strong Earnings, More Selective Market. The S&P 500 remains near record highs, supported by impressive earnings. Q4 2025 marked the fifth straight quarter of double-digit profit growth, and 2026 estimates call for roughly 14% more. But the market has grown more selective. Energy, materials, and industrials are leading, while AI giants like Nvidia beat expectations but saw volatile, uneven trading. The message is clear: strong earnings alone are no longer enough; sector positioning increasingly determines who wins.

Interest Rates: A Tale of Two Yields. February brought an unusual dynamic in the bond market. Short-term yields edged higher as the Fed held firm, while longer-term yields actually fell, with the 10-year Treasury settling below 4%. This divergence reflects investor caution and demand for safety. The upside: short-term bonds and money markets can continue to offer attractive income for patient investors.

Foreign Policy: US and Israel Strike Iran. On February 28th, the United States and Israel jointly struck Iran, with Iran responding militarily, resulting in the effective closure of the Strait of Hormuz. This action had ripple effects across the global economy, with oil prices rising and stocks falling as the conflict escalated across the region. While the long-term impacts of this action are yet to be seen, investors can expect some additional volatility as the conflict continues to unfold.

Putting It All Together

February was a reminder that even solid fundamentals can coexist with volatility. Growth and earnings remain resilient, but sticky inflation has the Fed in a holding pattern, and markets have grown more selective as a result.

The end of the month presented real geopolitical instability, with potential implications for markets. As always, we are keeping an eye on the market and are here to keep you informed about the current financial climate. If you have any questions about your portfolio or would like to talk through these shifts, don’t hesitate to reach out.

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February 23, 2026

Last week’s macroeconomic message was mixed: solid growth but sticky inflation keeps the Federal Reserve in “higher for longer” mode, dashing hopes for rate cuts. Beneath calm index moves, money rotated aggressively between sectors as investors recalibrated who benefits from this environment and who’s exposed.

AI disruption has spread well beyond mega-cap tech, forcing investors to rethink earnings power across nearly every industry. The market may look orderly from a distance, but leadership is shifting quickly — and the gap between winners and losers is widening.

Below is the weekly scorecard.

Stock Index Performance 

  • The S&P 500 gained 1.07%.
  • The Nasdaq 100 climbed 1.13%.
  • The Dow Jones Industrial Average added 0.25%.

The Macro Snapshot

  • The Economy Is Still Growing, But Losing Steam. The economy grew at a 1.4% annual rate in the fourth quarter of 2025, down from 4.4% the prior quarter. Consumer spending kept growth positive, but softer inventories and exports were a drag. The Personal Consumption Expenditures (PCE) price index, the Fed’s preferred inflation gauge, ended 2025 above its 2% target, with both headline and core PCE re-accelerating in December.
  • Inflation Is Sticky, But Households Expect It to Improve. December PCE confirmed inflation ended the year above expectations. But the University of Michigan’s February survey showed one-year inflation expectations among consumers falling to 3.4% from 4.0%, a “sticky but not spiraling” picture that keeps the Fed cautious but not alarmed.
  • The Fed Is In No Hurry to Cut Rates. Minutes from the Fed’s late-January Federal Open Market Committee (FOMC) meeting revealed a more divided committee than many expected, with some officials raising the possibility of rate hikes if inflation doesn’t cooperate. After three consecutive cuts late in 2025, the Fed has paused at 3.5%–3.75% and wants clear evidence that inflation is returning to its 2% target before easing further.
  • Tariff Decision and Reaction. Last Friday, policy risk intensified as the Supreme Court invalidated President Trump’s emergency-law tariffs — but markets rallied after Trump quickly announced a new 10% global tariff (then upped to 15% on Saturday). Analysts warn that overall tariff levels are unlikely to fall, since other statutes allow the president to reimpose duties under different legal frameworks.

The Week Ahead 

  • Several key releases this week will show whether the economy is cooling just enough for the Fed. The calendar includes factory orders (Monday, Feb. 23), consumer confidence (Tuesday, Feb. 24), new home sales (Wednesday, Feb. 25), and durable goods orders (Thursday, Feb. 26). Together, they’ll shape whether markets hold to gradual rate-cut expectations for 2026 or start pricing a faster easing path if demand clearly softens.
  • Nvidia and Salesforce headline a heavy slate of AI-linked earnings reports Tuesday through Thursday. With expectations already high, results could reinforce the AI theme or spark fresh volatility.

For long-term investors, fundamentals still win: strong balance sheets, steady cash flows, and companies with a clear AI advantage over their competitors. As always, if you have any questions or concerns, feel free to reach out. We are here as a resource for you! 

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Did Something in This Update Spark Your Interest?

Whether you’re a client or new to us, we’re here to help!

If you have questions or want to learn more, schedule a quick 15-minute call with a member of our team by clicking here.

Links to third-party websites are for general information purposes only and do not constitute any offer or solicitation to buy or sell any services or products of any kind. The other parties are responsible for the content on their website(s). You are encouraged to read and evaluate the privacy and security policies on the specific site you are entering. They are not intended and should not be relied upon as investment, insurance, financial, tax, or legal advice.

Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Aul Financial Group, LLC is stated or implied. The Aul Financial Hour is a paid placement.