40:I[185,["/_next/static/chunks/08z4tkzvltetr.js","/_next/static/chunks/121~yigv24_j6.js","/_next/static/chunks/0jo3du-icy6v2.js","/_next/static/chunks/15cy49d~_zsjj.js","/_next/static/chunks/0..ktetnpeix7.js","/_next/static/chunks/0_htf5~kl..m1.js","/_next/static/chunks/0i6hzvr84kc1r.js"],"SendEmailButton"] 47:I[45269,["/_next/static/chunks/08z4tkzvltetr.js","/_next/static/chunks/121~yigv24_j6.js","/_next/static/chunks/0jo3du-icy6v2.js","/_next/static/chunks/15cy49d~_zsjj.js","/_next/static/chunks/0..ktetnpeix7.js","/_next/static/chunks/0_htf5~kl..m1.js","/_next/static/chunks/0i6hzvr84kc1r.js"],"SignupCTA"] 3b:["$","div",null,{"aria-hidden":true,"className":"absolute inset-0 rounded-wave-lg ring-1 ring-inset ring-black/10"}] 41:T47f,

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

42:T655,