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Plan the Retirement You Want

2024 Review & 2025 Outlook

2024 Market Performance

- S&P 500: +25.5%

- NASDAQ: +31.97%

- Dow: +12.88%

- Interest rates: 5.33% → 4.33%

- Housing market cooled; higher mortgage rates and insurance costs

### Policy Updates

- SECURE Act 2.0: Increased catch-up contributions (50+)

- Medicare: Enhanced telehealth benefits

- Social Security: 3.2% COLA

### Key Takeaways

- Diversification proved valuable

- Emergency funds remained crucial

- Healthcare planning importance increased

- High rates benefited cash/CD holders

### 2025 Outlook

- Fed likely to keep rates elevated

- Possible mild recession

- Focus on Social Security reform

- Rising healthcare costs

- Emphasis on longevity planning

*Securities and advisory services offered through LPL Financial, registered investment advisor, FINRA/SIPC. General information only, not specific financial advice.*

Resources: plantheretirementyouwant.com/coffee, melissamoss.co/newsletter

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019 | 2024 in Review And Looking Ahead to 2025

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