We usually advise against mixing politics and portfolios, but since the April 2 tariff announcement, politics—not fundamentals—have been driving the markets. Sammy Azzouz sits back down with Heritage Financial’s CIO, Bob Weisse, to unpack what’s happened since “Liberation Day” and answer some FAQs about the state of the investment universe today. If you’re wondering what just happened to your portfolio—and what could come next—tune in!

Send questions to wealthybehavior@heritagefinancial.net and don’t forget to rate the show!

And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Diversification proved its worth in Q1. While U.S. markets struggled, dragged down by a tech-sector sell-off, international and fixed-income markets delivered strong returns. Heritage Financial’s CIO, Bob Weisse, breaks down the Q1 results and highlights why diversification remains crucial in today’s environment of heightened risks, policy uncertainty, and elevated U.S. equity valuations.

In this episode, we:

✅ Share some glimmers of hope

✅ Explain market momentum—why winners tend to keep winning and losers keep losing

✅ Explore how direct indexing can be a smart solution for investors with idle cash, high capital gains, or those preparing to sell a business

Join us for insights that can help you navigate today’s complex market with confidence.

Plus, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Have questions or topics you’d like us to cover? We’d love to hear from you! Email us at wealthybehavior@heritagefinancial.net.

Erratic Policy Swirl, S&P 500 Pullback, and What Investors Might Be Missing.

Michael Santoli, Senior Markets Commentator at CNBC, joins us to break down today’s turbulent headlines. Is the U.S. experiencing a market correction, or is something bigger on the horizon? We dive into recent volatility, the S&P 500’s pullback, the “Magnificent 7” stocks rolling over, and hot topics like DOGE and Tesla. Plus, Michael highlights key market trends that aren’t getting enough attention—but should be.

With over 30 years covering Wall Street at Barron’s, Yahoo Finance, and Dow Jones Newswires, Michael Santoli brings deep market expertise, which he shares regularly on CNBC’s Business Day programming and as a featured contributor to CNBC.com and CNBC PRO.

*BONUS* How To Build Your Next Million, our free ebook, teaches investors about the tools that can help them SAVE more, GROW more, KEEP more, and PROTECT more. Get your copy today!

We’d love to hear from you! Send your questions, ideas, or feedback to wealthybehavior@heritagefinancial.net.

Increasing uncertainty, rising inflation, and slowing economic growth are causing concern among investors, leading them to take a more defensive approach—reducing risk, shifting equity exposure, and turning to fixed income. Many are asking: What’s driving the moves? And how should investors respond?



In this episode, CEO Sammy Azzouz shares client questions, while CIO Bob Weisse breaks down the latest updates on U.S. and international stock and bond markets. They’ll discuss how our investment team is positioning portfolios, what data they’re watching, and what investors should—and shouldn’t—do in uncertain times. Tune in for insights to help you navigate today’s landscape.

Plus, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Have questions or topics you’d like us to cover? We’d love to hear from you! Email us at wealthybehavior@heritagefinancial.net.

Could this be the year international markets outshine the U.S.? Jeffrey Kleintop, Chief Global Investment Strategist at Charles Schwab, believes a new cycle has begun—one that could make global investing more rewarding than it’s been in years.

In this episode, Jeff explains why international markets are gaining momentum, what’s driving global growth and earnings, and how overseas valuations stack up against the U.S. He also puts tariffs and their impact on companies and stock markets into perspective—are they more bark than bite?—and shares what investors should keep an eye on in the months ahead.

Take your wealth to the next level with How To Build Your Next Million, our educational video course and ebook. You’ll learn the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at wealthybehavior@heritagefinancial.net.

Markets started strong in 2025, but uncertainty and volatility loom. How should investors respond?

In this episode, Heritage Financial’s CIO, Bob Weisse, and CEO, Sammy Azzouz, break down what’s happening in the markets and how to make smarter investment decisions in today’s environment, including:

• The latest on Fed policy and what it means for your portfolio
• Fixed income investing—why it matters, the risks, and how to invest in different sectors
• The danger of chasing recent winners and how to avoid common mistakes
• Behavioral finance basics that every investor should know

Plus, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Have questions or topics you’d like us to cover? We’d love to hear from you! Email us at wealthybehavior@heritagefinancial.net.

Full valuations, index concentration and the potential for a resurgence of inflation have set the stage for a fragile market environment. Can prices rise further from here? Absolutely. Yet the possibility of setbacks is equally real, underscoring the importance of durability in 2025.

In this episode, we spotlight an audio replay of our 2025 Market Outlook webinar titled Bridging the Divide. Bob Weisse, Heritage Financial’s CIO, and Brad Long, CIO at Fiducient Advisors, discuss today's markets and economy, and share expectations for 2025 and beyond.

Read more detail in our written 2025 Market Outlook: Bridging the Divide.

Get a head-start on your financial resolutions with our new video course and our ebook, How To Build Your Next Million! These resources highlight the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at wealthybehavior@heritagefinancial.net.

In this first episode of the new year, Sammy and Bob recap 2024's market performance and share insights for the year ahead. Will 2025 bring strong returns, or are we heading for a correction? A wide range of outcomes are possible, so preparation is key. Bob dives into the data driving both short- and long-term outlooks, including:

• Stocks vs. bonds
• U.S. vs. international markets
• Portfolio risk management strategies
• Recent currency moves and future predictions

And because it seems no one can stop talking about it, Bob wraps up with his take on the Cybertruck.

Tune in for insights, strategy, and a touch of tech talk as we set the stage for 2025!