Episodios

  • 3 Surprising Facts About The 2026 Housing Market

    3 Surprising Facts About The 2026 Housing Market
    Jan 9 2026
    Will 2026 mark a turning point in the housing market? Would you be shocked to find out:
    1. _____________
    2. Administration is putting $200b into the mortgage market directly
    3.____________ can’t invest in houses soon

    Fill in the blanks this week on our latest episode of On The Markets. with Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Sonoma Wealth Marketing Director Dano Weir. They look at:
    • 3 surprising facts from that “other” market, real estate
    • US richest stock market in the world? The insane multiples US Citizens have in stock holdings vs. major world powers like China, Russia and Japan.
    • Good thing the stocks are high because you don't want to see the chart we have on the dollar's global reserve currency status... 🫠
    • With everything going on with global foreign policy, the honey badger market just keeps on chugging with another all time high.

    0:00 Intro
    7:43 USA dominates stock ownership globally
    10:00 Investor sentiment
    11:40 Americans own more US equities than ever
    13:00 Surprising Fact #1
    17:00 Surpising Fact #2
    27:28 Delinquency rates on muti-family housing soaring
    33:09 Oil Rigs in Venezuela
    34:32 US trade balance of imports down as bad as GFC or COVID
    36:00 Taking a look at Polymarket- chance of tariffs being struck down
    39:30 S&P closes at another all time high
    41:00 Oil prices
    48:00 Russell 2000
    49:30 Aggregate Bond Index
    51:50 Gold and silver
    54:00 S&P heat map
    56:00 Feds likely won’t cut rates next meeting


    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Video available on our YouTube Channel: https://www.youtube.com/live/ahSlZJXqOW8

    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    1 h y 2 m
  • Will An Artificial 2025 Lead To A Tangible 2026?

    Will An Artificial 2025 Lead To A Tangible 2026?
    Jan 3 2026
    We survived the robot-pocalypse of 2025...might still be coming in 2026 and beyond or...are we about to throw it back, way back, to the GOLD standard? Why AI over-hype in 2025 might have led to a knee-jerk reversion to precious metals in 2026, on our first episode of the year On The Markets!

    Kicking off the new year right with Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Sonoma Wealth Marketing Director Dano Weir to look at:
    • The massive run gold and now silver have been on, in the backdrop of potential AI over-spending.
    • Trend or not, the money was spent. What impact has AI investment had on GDP?
    • What Chris is learning from the 1920s and 1930s market that is ringing even truer today than ever.
    • Thoughts on Oil and Bonds as we start the year, and the S&P floating at all time highs...let’s go!

    0:00 Intro
    6:45 Investment history book Chris has been reading
    11:30 Asset performance by class for 2025
    14:25 Investor sentiment heading into 2026
    15:10 S&P 500 vs Russell 2000 1979-2025
    16:44 Interest rates
    19:54 What impact has AI investment had on GDP?
    21:02 AI not really over-spending in comparison to other historic buildouts
    22:16 AI headcount replacement going to be modest?
    23:13 You will not believe how much the S&P dominates the global equity market
    27:10 What & of companies in US history have actually generated wealth in the market?
    31:20 Silver ripping, but why?
    47:20 S&P 500 floating high
    52:48 Bond market is an ascending wedge




    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Video available on our YouTube Channel: https://youtube.com/live/Qtw61IjQrgg?feature=share


    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    58 m
  • The Economy Is Not The Market

    The Economy Is Not The Market
    Dec 19 2025
    Say it with me, the market is not the economy. And what? And the economy is not the market. Good job class, now write that in cursive a hundred more times.

    This week On The Markets, Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Sonoma Wealth Marketing Director Dano Weir look at:
    • The market’s up 16% this year? Don’t tell that to job cuts. Which states have been hit the worst. Is it all AI? Or is COVID over-spending finally hitting the fan?
    • The stock market is definitely not in sync with the other market, real estate. A look at Americans owning stocks hitting an all time high.
    • What pattern in oil might mean pump the brakes on recession calls

    4:00 Job Cuts by US State in 2025
    9:42 Unemployment rate
    11:50 Consumer Price Index is “flat”
    17:43 EUROPE and SOUTH KOREA had a better year than the US market?!
    20:00 Investor sentiment
    20:52 Equal weight S&P very different than cap weight
    23:13 US households more stocks than ever
    28:47 FMS level drops to record low 3.3%
    32:30 A look at economic data
    32:20 S&P heat map
    35:00 Bitcoin
    35:10 S&P chart and VIX
    36:15 Value of the dollar and oil
    38:10 Gold

    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Video available on our YouTube Channel: https://youtube.com/live/7avrnD4S1-0?feature=share

    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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    45 m
  • Why The Fed Says Let It Snow

    Why The Fed Says Let It Snow
    Dec 12 2025
    Fed President Jerome Powell might be going through his last Christmas in office, but he's put on his Santa hat one more time to make it rain again, well it's winter so Let It Snow...liquidity.

    This week On The Markets, Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Sonoma Wealth Marketing Director Dano Weir look at:
    • How liquidity, i.e. money printing, is back in action and making it’s way to the S&P 500. Is it covering up an otherwise trash market?
    • Speaking of, what exactly does a new all time high for the market (which we’ve hit this year) mean for S&P returns moving forward? High point and all downhill or the start of higher highs?
    • Silver hit an all time high this week...because the dollar is weakening?

    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ
    Audio also available on
    Apple Podcasts https://podcasts.apple.com/us/podcast/on-the-markets/id1802984526
    Spotify https://open.spotify.com/show/2YqyNLN7mcBApS5RL2piAj

    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    1 h y 7 m
  • 5 Busted Market Narratives In 2025

    5 Busted Market Narratives In 2025
    Dec 6 2025
    Hope you and your family had an awesome holiday! Daren, Chris and Dano are back on the grind with a new episode of On The Markets. As the year draws to a close, we can start to look at all those convenient narratives the market Nostradamus’ had this time of year, and how wrong they were.

    5 Busted Market Narratives In 2025
    1. Trump's Administration Will Send Crypto To The Moon
    2. Bonds Are Yesterday's Asset
    3. AI Will Become Everything
    4. Foreign Stocks Will Get Crushed With Tariffs
    5. Tariffs Will Decrease The Trade Deficit

    This week On The Markets, Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Sonoma Wealth Marketing Director Dano Weir look at:
    • A Trump presidency means crypto to the moon? Bonds are yesterday’s asset? Not so fast buddy, and 3 other storylines that just didn’t play out this year.
    • What correction? Santa Rally looks to be in full effect with another all time high hit today.
    • Which asset class is tracking toward it’s best year in nearly 2 decades? Hint: it’s a continent.


    0:00 5 busted narratives in 2025
    8:40 US Unemployment
    10:35 Chances of a Fed rate cut
    11:05 Investor sentiment
    12:00 Busted: AI will become everything
    19:10 Busted: Crypto to the moon
    20:15 Busted: Tariffs will crush foreign stocks
    21:45 Busted: Bonds are yesterday’s asset
    23:30 S&P getting lapped by China?
    27:34 Mid caps are an opportunity?
    30:20 Busted: Tariffs will decrease the trade deficit
    31:50 Money supply growth
    34:52 S&P heat map
    39:00 Volatility measures
    39:25 Bonds had a decent year
    42:09 Bitcoin getting pummeled
    48:15 S&P bubbles
    43:20 10 year treasury


    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ
    Audio also available on
    Apple Podcasts https://podcasts.apple.com/us/podcast/on-the-markets/id1802984526
    Spotify https://open.spotify.com/show/2YqyNLN7mcBApS5RL2piAj

    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    57 m
  • The Bubble Is Leaking

    The Bubble Is Leaking
    Nov 21 2025
    You won’t fully know when “the bubble” pops, but there will be signs.
    Did we see some this week? A smoking gun from TechCrunch? Or do we just not truly understanding the 4D Chess of tech behemoth accounting? Plus a few laugh-out-louds with the Sonoma team to lighten the mood in a red week in the market. Let’s go...

    The Bubble Is Leaking

    This week On The Markets, Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Sonoma Wealth Marketing Director Dano Weir look at:
    • A report of leaked documents from OpenAI that may paint a very different picture of their actual revenue (and therefore value) then the one they’ve been hinting at.
    • “US Stocks are expensive” is a common (and true) refrain, but would you be stunned to find out we’re not the most expensive in the world? What country beats us by 5x.
    • Do rough weeks for Microsoft, Tesla, NVidia and Palantir mean the AI bubble is real and leaking?
    • But what key support was held that could ease fears, for now.

    0:00 Intro and OpenAI leaked documents
    11:00 US’s share of the world economy
    12:31 New Zealand smokes the US in price to earnings ratio
    15:08 Investor sentiment
    16:20 Major corrections in Bitcoin’s history
    17:57 Chances of a Fed rate cut
    21:09 Consumer Sentiment
    24:25 Existing home sales since 2000
    27:01 Private equity ETF performances
    33:50 Emerging markets
    34:30 Earnings have helped large cap US
    35:58 A look at valuations
    38:20 AI Capex low in GDP terms
    40:33 S&P this week and a definition of “candles” in the market
    45:55 Does VIX have a clue for us?
    46:52 10 year treasury
    47:40 Silver and gold this week
    49:20 Bitcoin getting smoked
    50:30 Palantir this week
    51:53 Heat map
    57:10 Oil this week
    57:40 Bonds this week



    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Full Video available on our YouTube Channel


    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    1 h y 6 m
  • The Ai Buildout Costs More Than Going To Mars

    The Ai Buildout Costs More Than Going To Mars
    Nov 14 2025
    The chess pieces were definitely moving on the board this week, whether it was the market, the economy or the Federal Government. When millions become billions become trillions, it can be hard to fathom exactly how much money is really being discussed. This week, let’s put it in another context...

    The AI Buildout Costs More Than Going To Mars

    This week On The Markets, Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Sonoma Wealth Marketing Director Dano Weir look at:
    • The insane price tag that OpenAI thinks it needs (and why the dude from The Big Short isn't buying it and literally tapped out).
    • Think $1.5 trillion for an AI buildout is big? How much debt will be invented when everyone’s got a (portable) FIFTY year mortgage?
    • “AI Bubble” stocks or not, we’re going to take a victory lap on staying invested through the April tariff crisis. A look at the multiple asset classes that benefited this year vs. “waiting until things calm down”.
    • That said...why Daren thinks right now now, the risk to the US market at least, is to the downside.


    2:56 Burry taps out, and AI the build out is going to cost more than Mars
    14:00 Longest government shutdown ever
    20:20 Savings on a 50 year mortgage
    26:16 Investor sentiment
    27:50 Chances of a Fed Rate cut
    29:00 2 Year Treasury vs Fed Funds
    30:10 Consumer Sentiment Index
    34:30 How concerned are you about losing your job?
    35:14 Leading economic indicators
    38:40 M2 Money Supply
    39:04 Increase in government debt over the last 10 years
    39:23 Staying invested through the April crisis paid off
    42:15 S&P this week
    43:50 Volatility VIX this week
    44:40 Magnificent 7 this week
    46:20 Silver and gold this week
    48:20 Oil this week
    50:50 Bitcoin looking shaky
    51:50 Bond market this week
    53:40 Palantir this week





    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ
    Audio also available on
    Apple Podcasts https://podcasts.apple.com/us/podcast/on-the-markets/id1802984526
    Spotify https://open.spotify.com/show/2YqyNLN7mcBApS5RL2piAj

    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser todetermine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    1 h
  • Did The Bubble Just Pop?

    Did The Bubble Just Pop?
    Nov 8 2025
    The signs have been there for months, but is this week that the Ai bubble meets it’s “dot-com” finish? Did a so-called “expert” call it? Let’s find out.
    This week On The Markets, Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Sonoma Wealth Marketing Director Dano Weir look at:
    • The dude from The Big Short is back and he’s betting against Palantir and Nvidia, who proceeded to get smoked this week...
    • A quick refresher of the ‘K-Shaped Economy’
    • Foreign central banks are stockpiling gold...not US treasuries.
    • Was this week the start of a downturn? Or just a natural correction?

    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Video also available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ

    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser todetermine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    1 h y 6 m
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