John Heilner's Library

John Heilner Chief Investment Officer
May 04, 2022 - Special Market Update
Targeting a Soft Landing
In mid-March, the Federal Reserve showed clear resolve in its commitment to fight inflation. Not only did the Central Bank raise interest rates by 0.25%, it additionally signaled six more hikes in 2022 and another four in 2023.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
April 22, 2022 - White Paper
Consumer Confidence vs. Consumer Sentiment
The University of Michigan's Consumer Sentiment Index and The Conference Board's Consumer Confidence Index – two of the most watched monthly economic indicators - are based on surveys that aim to understand and track the mood of the American consumer, thus helping economists gauge the mentality of the U.S. consumer and their outlook on the economy.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
April 07, 2022 - Special Market Update
Fed Begins Monetary Policy Tightening
As expected, after maintaining the Federal Funds Rate (FFR) near zero since the beginning of the pandemic, the U.S. Federal Reserve acted on March 16, 2022 and increased the benchmark interest rate by 25 basis points.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
March 15, 2022 - White Paper
Lump Sum Investing vs Dollar Cost Averaging
This month we wanted to talk about a special case circumstance – whether you be a new client just beginning to invest or an existing client with newly available cash: If you find yourself the beneficiary of a sudden windfall, you'll be faced with a classic investing dilemma.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
March 02, 2022 - Special Market Update
Special Market Update - Ignore the Noise
In this age of rapid technological progress, we have near instantaneous access to a multitude of news sources on our phones, computers and TV sets. No matter your preferred news outlet, inflation has been a dominant headline for several months. Now Ukraine is the new focus.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
January 24, 2022 - Special Market Update
Special Market Update - Addressing the Current Market Sell-Off
Equity investors have had a tough start to 2022, as the S&P 500 slipped into “pullback” mode on January 19th after falling by more than 5%. As always, we would encourage investors to not look at days, week or even months of results, but instead focus on longer time periods.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
January 19, 2022 - White Paper
CPI versus PPI - A Brief Explanation
We feel it would be helpful to provide a brief overview of CPI and PPI in an effort to better understand each. We know economics can, at times, be intimidating. Part of our role is to translate, explain and simplify. These key indicators - CPI & PPI – are not as complicated as economists would lead you to believe.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
January 03, 2022 - Special Market Update
Special Market Update - Stock Market Challenges for 2022
As we conclude 2021 and peer cautiously into 2022, we've identified four hurdles the markets may face in 2022 and recommend one New Year's resolution in response.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
December 22, 2021 - White Paper
Caught Between a Rock and a Hard Place'
Understanding the Relationship Between Bond Prices & Interest Rates. News Alert! Interest rates will increase in the coming months and years.
John Heilner Chief Investment Officer
John Heilner Chief Investment Officer
December 03, 2021 - Special Market Update
Special Market Update - Crying Uncle
Just as it seemed that the Covid-19 virus might be contained and its grip on the global supply chain loosened, the surprise news of the new Omicron variant (identified last week in southern Africa and parts of Europe) provided fuel for investors to sell first and ask-questions later.
John Heilner Chief Investment Officer
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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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