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John Heilner Chief Investment Officer
June 05, 2023 - Special Market Update
The Fed's June 2023 Policy Decision
With just two weeks until the next Federal Reserve meeting on June 14th, it remains unclear if the Fed will need to raise interest rates further to combat inflation. The 25 bps rate increase approved in May 2023 was the tenth in a row since March of 2022, and raised the benchmark policy rate to the 5.00%-5.25% range - the highest level since the summer of 2006 and the level most policymakers had projected as the likely stopping point for rate hikes.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
May 08, 2023 - Special Market Update
An Update on Interest Rates, Inflation and GDP
Since March 2022, the Federal Reserve's (Fed's) aggressive interest rate policy has been all about reigning in red-hot inflation numbers. As a result of the global pandemic the Fed Funds Rate (FFR) had been moved to near-zero.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
April 19, 2023 - White Paper
The Debt Ceiling Battle
Two decades of tax cuts, responses to the 2001, 2008 recessions and the 2020 pandemic, along with bipartisan spending brought the United States, in January, to its $31.4 trillion legal limit on borrowing - setting the stage for yet another debt limit showdown.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
April 04, 2023 - Special Market Update
TINA Becomes TARA
As WT Wealth Management has stated over the last several years, many Americans are underfunded in their retirement accounts and many more live beyond their means. In response, over the past 10 years, investors have used heavy equity market exposure in their portfolios, more out of necessity than preference. There just weren’t really any alternatives to equities.
John Heilner Chief Investment Officer
Glenn Leest Senior Investment Advisor
March 21, 2023 - Article
Is your cash working for you?
Are you looking to earn more interest on your cash? Are you intrigued by earning a 4.5% interest rate or more? If you are, then keep reading because I have some great news for you.
Glenn Leest Senior Investment Advisor
John Heilner Chief Investment Officer
March 15, 2023 - Article
A Dive into Silicon Valley Bank - This is Not Another 2008
At WT Wealth Management, we believe it is crucial to understand precisely what transpired in SVB's case, rather than equating their failure with the bad lending, inadequate capital and hidden interdependencies that was endemic during the financial crisis in 2008.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
March 02, 2023 - Special Market Update
A Review of Newly Released Economic Data
The Federal Reserve is trying to slow consumption of goods and services, decrease spending and orchestrate tighter economic conditions in its battle against inflation. However, the job market and the US consumer seem to have their own ideas about what living their best life means.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
February 16, 2023 - Article
The Presidential Election Cycle
Politicians like to be re-elected. It's how they keep their job. It's always been that way. Decades ago, after analyzing many presidential elections, political strategists worked out what factor appeared to move the vote the most... the answer?: the state of the general economy and/or the labor market in the 6-month run up to the election.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
February 03, 2023 - Special Market Update
The Debt Ceiling is Just More Noise
Recent reports of an impending debt ceiling crisis in Washington DC sparked a few clients to call me and ask whether this could impact their investments. My initial reaction was, this is just noise. However, wanting to be more certain, I did several hours of research on the debt ceiling crises of the past. Following that research, I was more convinced than ever that, this is just noise.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
January 19, 2023 - Article
How Rare Average Actually Is
January is when every player in the investment business seems to go on record with 2023 stock market predictions. Our only prediction about this long list of predictions is: what most people think will happen in 2023 almost certainly will not happen.
John Heilner Chief Investment Officer
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Any opinions expressed on this website are the opinions of WT Wealth Management and its associates only. Material listed on this website is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. You should always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETF’s carry certain specific risks and part or all of your account value can be lost.

At WT Wealth Management we strongly suggest having a personal financial plan in place before making any investment decisions including understanding your personal risk tolerance and having clearly outlined investment objectives.

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WT Wealth Management is an SEC registered investment adviser, with in excess of $100 million in assets under management (AUM) with offices in Flagstaff, Scottsdale, Sedona and Tucson, AZ along with Jackson Hole, WY and Las Vegas, NV. WT Wealth Management is a manager of Separately Managed Accounts (SMAs). With SMAs, performance can vary widely from investor to investor as each portfolio is individually constructed and managed. Asset allocation weightings are determined based on a wide array of economic and market conditions the day the funds are invested. In an SMA, each investor may own individual Exchange Traded Funds (ETFs), individual equities or mutual funds. As the manager we have the freedom and flexibility to tailor the portfolio to address an individual investor's personal risk tolerance and investment objectives – thus making the account “separate” and distinct from all others we manage. An investment with WT Wealth Management is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Any opinions expressed are the opinions of WT Wealth Management and its associates only. Information offered is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. Always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETFs carries certain specific risks and part or all of an account's value can be lost. In addition to the normal risks associated with investing, narrowly focused investments, investments in smaller companies, sector and/or thematic ETFs and investments in single countries typically exhibit higher volatility. International, Emerging Market and Frontier Market ETFs, mutual funds and individual securities may involve risk of capital loss from unfavorable fluctuations in currency values, from differences in generally accepted accounting principles or from economic or political instability that other nations experience. Individual bonds, bond mutual funds and bond ETFs will typically decrease in value as interest rates rise. A portion of a municipal bond fund's income may be subject to federal or state income taxes or the alternative minimum tax. Capital gains (short and long-term), if any, are subject to capital gains tax. Diversification and asset allocation may not protect against market risk or investment losses. At WT Wealth Management, we strongly suggest having a personal financial plan in place before making any investment decisions including understanding personal risk tolerance, having clearly outlined investment objectives and a clearly defined investment time horizon. WT Wealth Management may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. WT Wealth Management's website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of WT Wealth Management's website should not be construed by any consumer and/or prospective client as WT Wealth Management's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by WT Wealth Management with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of WT Wealth Management's current written disclosure statement discussing WT Wealth Management's registrations, business operations, services, and fees is available at the SEC's investment adviser public information website (www. adviserinfo.sec.gov) or from WT Wealth Management directly. WT Wealth Management does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to WT Wealth Management's web site or incorporated therein, and takes no responsibility therefor. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.

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