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In this first episode of the new year, Heritage Financial’s CIO, Bob Weisse, joins CEO Sammy Azzouz to reflect on 2025 market performance and share insights for the year ahead.

2025 was a strong year for investors. U.S. equities delivered a third consecutive year of double-digit returns, international equities finally outperformed the U.S., and fixed income produced solid positive returns.

So, what’s in store for 2026? Bob examines emerging trends and outlines Heritage’s 2026 Capital Market Assumptions—our long-term return forecasts—and explains how to evaluate the data, balance risk and return expectations, and use these assumptions to inform portfolio allocation decisions.

Plus, with gold shining brightly in 2025, Bob shares his perspective on investing in gold, including potential risks and returns, when it may add value, and when it may fall short.

Send your questions to wealthybehavior@heritagefinancial.net

Visit us at www.heritagefinancial.net