Wealth Management
Find an investment mix that makes dollars and sense.
It all starts with your dreams
Wealth management may seem as daunting as rocket science, but we’ll help you break it down. Whether you’re dreaming of retirement, becoming a homeowner, or sending your children to college, we will work with you to find the investment mix to put your dreams within reach.
Our specialized investment mixes can include:
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Stocks, Bonds, Mutual Funds & ETFs
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Professionally Managed Investment Accounts
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Retirement Plans, 401(k), and Social Security Review
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Insurance Review
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Education/College Planning
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HSA (Health Savings Account)
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Cash Management, Money Market, Market-Linked Certificates of Deposit
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And much, much more!
Meet Your Advisor
Set up a complimentary, no-cost, no-obligation consultation!
2025 Market Recap & Outlook
Evan KulakOctober 2025 Market Recap
- The S&P 500 Index rose +2.3% in October, bringing its year-to-date return to +17.5%. Large Cap Growth stocks gained +3.6% and outperformed the index, while Large Cap Value returned +0.4%. Major stock indices set new highs, with the S&P 500, Dow Jones, Nasdaq 100, and Russell 2000 all posting a sixth straight month of gains.
- Technology led all S&P 500 sectors, with the Nasdaq 100 gaining +4.8%. Health Care and Consumer Discretionary also outperformed the index, while the remaining eight sectors underperformed, with five sectors trading lower.
- Bonds traded higher as Treasury yields ended lower despite intra-month volatility. The U.S. Bond Aggregate returned +0.6%, while corporate bonds underperformed. Investment-grade delivered a +0.4% total return, and high-yield gained +0.2%.
- International stocks split the S&P 500’s return. Developed Markets gained +1.2%, underperforming the S&P 500, while Emerging Markets returned +4.2%.
Q3 2025 Recap & Q4 2025 Outlook
Markets carried their strong momentum from Q2 into Q3, with the S&P 500, Nasdaq, and small-cap stocks each hitting new highs. Investor sentiment remained optimistic despite soft labor market data and mixed economic signals, and stocks traded higher due to strong corporate earnings, the Federal Reserve’s pivot toward rate cuts, and easing trade tensions. The technology sector remained an important contributor, as artificial intelligence (AI) companies reported strong earnings growth. At the same time, improving market breadth added fuel to the rally, and small-cap stocks finally broke above their 2021 highs. In this letter, we recap Q3’s defining themes, review stock and bond market performance, and look ahead to the final quarter of 2025.
The quarter opened on solid footing. Economic activity had recovered from the tariff-driven volatility earlier in the year, and incoming data pointed to steady consumer and business demand. Job growth was solid, consumers continued to spend, and business surveys showed sentiment was improving. The stock market traded higher in July, driven by confidence that the economy could withstand high interest rates and trade uncertainty without slipping into a recession.
Disclosures
Wealth management products and services are offered independently through Credit Union Wealth Group, an SEC registered investment advisor. Credit Union Wealth Group and Meridian Trust Federal Credit Union are not affiliated. Products and services made available through Credit Union Wealth Group are not insured by NCUA or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any credit union, credit union service organization, or credit union affiliate. These products are subject to investment risk, including the possible loss of the principal amount invested.