Arroyo Investment Group

10/26/2026

💡 One of the most powerful things you can do for your financial future costs nothing: start asking better questions.

Questions like:
• Is my portfolio truly diversified or just concentrated in a few areas?
• Am I on track to retire when I want to?
• Does my advisor have a verifiable, transparent track record?
• Am I paying more in fees than I realize?

At Arroyo Investment Group, we welcome every question, no matter how basic or how complex. That is exactly what we are here for.

👉 https://arroyoinvestmentgroup.com/financial-second-opinion/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

10/26/2026

📊 The 2027 Social Security COLA is 3.6%, one of the highest in decades. Whether it keeps up depends on what you spend money on.

▪️ 3.6% increase beginning January 2027, roughly $75 more per month for the average recipient, and the fifth largest adjustment in more than 35 years.

▪️ 3.7% headline CPI year over year in September, with gasoline accounting for more than half the monthly increase after a 9.1% surge.

▪️ 2.6% core CPI, excluding food and energy. The gap between the two suggests today’s inflation is concentrated in energy rather than spreading broadly across the economy.

▪️ 9.1% to 2.7%, the path inflation traveled from its 2022 peak to the start of 2026, before energy prices pushed it back up.

▪️ Cash is still behind. Inflation-adjusted yields on cash remain lower than many investors expect and have been lagging inflation on average.

One national average cannot capture every retiree. Healthcare, prescriptions and other necessities make up a larger share of spending later in life, and price increases in those categories land harder than a single headline number suggests.

Which is the real point. A COLA helps. It was never designed to carry the whole load. A properly structured mix of stocks and bonds has the potential for more attractive real returns than cash alone, and that is the part of a retirement income plan an investor actually controls.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

10/25/2026

📉 What’s driving tech volatility and wider credit spreads?

Two closely related trends, and the forces behind them help explain recent market moves.

▪️ Skepticism about AI spending has rattled technology stocks. Questions are mounting over whether hundreds of billions in AI infrastructure investment is justified, particularly where companies are reporting negative free cash flow and issuing new shares to fund it. These concerns have been hanging over the market for a while, so they do not fully explain the recent moves on their own.

▪️ Oil has climbed. Brent crude recently moved above $115 per barrel, its highest level since May, on supply concerns. Higher energy prices raise fresh questions about inflation.

▪️ Technology is rate sensitive. The clearest example came in 2022, when rates rose rapidly and the S&P 500 Information Technology sector fell 28% for the year. It also rebounded quickly once conditions improved. Short-term swings here are not unusual when the rate outlook is uncertain.

▪️ Global rate volatility has picked up. France’s 10-year government bond yield has reached its highest level since 2002. In the U.S., a reported $2 trillion deficit for 2026 and the approaching election have helped keep Treasury yields elevated.

▪️ Credit spreads have widened, mostly in high yield. They remain below historical averages, and below where they sat during the volatility of 2025 and the inflation stretch of 2022. Paired with higher Treasury yields, overall yields in the lower-rated part of the bond market have jumped. That creates challenges in parts of fixed income today, and more income potential for investors with time.

Short-term volatility is uncomfortable. Historically, markets have rewarded investors who stayed focused on long-term goals rather than reacting to individual events.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

10/25/2026

A retirement plan that can withstand a variety of outcomes needs more than just a few inputs. That's the danger of relying on a calculator.

Read more 👉 https://arroyoinvestmentgroup.com/the-dangerous-truth-about-retirement-calculators/

10/24/2026

💬 67% of people have turned down an invitation because of the cost. Almost none of them said so.

CFP Board's 2026 research on money and relationships found a pattern most people will recognize:

▪️ 67% declined a social event in the past two years primarily because of cost, without giving that as the reason.
▪️ 81% intentionally avoid at least one financial topic with family or friends.
▪️ 57% say money has caused tension with someone they know well.
▪️ 71% would feel at ease discussing finances with an advisor if they had access to one.
Money shapes nearly every decision and rarely gets discussed directly, including among people who are close.

The costs of that silence are practical rather than emotional. Adult children do not know a parent's wishes. Spouses have been picturing different retirements. A declined invitation gets read as disinterest.

That last figure is the hopeful one. Most people are willing to have the conversation. They need somewhere to have it.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Sources: CFP Board, "Financial FOMO: A 2026 Survey About Money and Relationships," and "Expensive Today, Elusive Tomorrow," shared as part of National Financial Planning Month 2026. CERTIFIED FINANCIAL PLANNER® and CFP® are certification marks owned by Certified Financial Planner Board of Standards, Inc. Research findings reflect general survey results and are not indicative of any individual's experience. Arroyo Investment Group, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. This material is for informational purposes only and does not constitute investment, tax, or legal advice.

10/23/2026

👨‍👩‍👧 At Arroyo Investment Group, we do not just manage portfolios. We help protect what families have worked their entire lives to build.

Our clients include:

• Professionals building wealth in the prime of their careers
• Retirees seeking reliable income and financial security
• Families planning for the next generation
• Police officers, firefighters, and municipal employees navigating pension decisions

No matter where you are in life, a clear, disciplined financial strategy makes all the difference.

We serve clients nationwide and internationally from our home base in Pasadena, California.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

10/23/2026

Does your annuity actually pass to your beneficiaries? 📑

Many annuities include death benefits that bypass probate, but not all of them do, and payout methods and tax treatment can vary by contract. Reviewing the terms now means your beneficiaries won't be left guessing later.

Arroyo Investment Group takes a full-picture view of every part of your financial plan.

10/23/2026

Not all advisors are equally accountable. This may be costly to your future.

Learn the one industry standard that can fix this.
▸ https://lttr.ai/AuOzI

10/22/2026

🏡 Great wealth management is not just for the ultra-wealthy. And it should not feel that way.

At Arroyo Investment Group, we bring institutional-quality portfolio management, fee-only fiduciary advice, and truly personalized financial planning to individuals and families across the country.

Our clients include professionals building wealth, retirees seeking income and security, families planning for the next generation, and first responders navigating pension decisions.

What they all have in common: they wanted an advisor who actually cares, tells them the truth, and works exclusively in their best interest.

That is exactly who we are.

One all-inclusive fee. No commissions. No conflicts. Full-service support.

If that sounds like what you have been looking for, we would love to talk.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

10/22/2026

📊 Stocks hit records. Bonds had a rough quarter. The same reason for both.

Our quarterly commentary is out, and the third quarter came down to one number: the 10-year Treasury at 5.29%, its highest in two decades.

▪️ 2.3% for the S&P 500 in Q3, now 12.7% year to date.

▪️ Down 3.5% for the Bloomberg U.S. Aggregate as rates climbed.

▪️ 15.1% for commodities, with Brent crude moving from roughly $70 in July to above $100 by September.

▪️ 37.4% year to date for energy, the best performing S&P 500 sector.

▪️ 30%+ expected earnings growth for 2026, broadening well beyond the largest tech names.

The Fed also raised rates in September for the first time in three years, a response to energy prices rather than an economy running hot.

Bonds had a hard stretch and are paying more income than at any point in roughly fifteen years. Both can be true, which is rather the point of holding different things.

Read the full outlook from John and Madeline Odell: https://arroyoinvestmentgroup.advisorlibrary.com/quarterly-market-out-edsjwg0j0h

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Source: Arroyo Investment Group, “Quarterly Market Outlook for Q4 2026,” October 16, 2026. Index returns are total returns including dividends as of September 30, 2026, per Clearnomics research using Standard & Poor’s, LSEG, FTSE Russell, and MSCI data. Treasury yield and federal funds rate data per the Federal Reserve. Earnings estimates reflect consensus analyst forecasts and are subject to change. Past performance does not guarantee future results. Indices are unmanaged and cannot be invested in directly. Diversification does not guarantee a profit or protect against loss. This material is for informational purposes only and does not constitute investment advice.

The third quarter was mixed for investors with two major drivers impacting portfolios. On the one hand, interest rates rose to 20-year highs, while on the other hand, exceptional corporate earnings continued to support stocks. Amid these major trends, oil prices climbed back above $100 per barrel, t