Jesse J. Bowman, CRPC and Partner at Sterling Heights Financial Group

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Jesse J. Bowman, CRPC and Partner at Sterling Heights Financial Group

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CRPC™ and Partner at Sterling Heights Financial Group - a financial planning firm specializing in working with retirement clients and business owners.

We offer retirement, investments, and financial planning services. I offer a variety of products that can help you address a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Securities and advisory services are offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. www.finra.org, www.sipc.org. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed as to accuracy and completeness. The LPL Financial registered representatives associated with this page may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

10/23/2026

Does the stock market really perform differently during election years?

Historically, the S&P 500 has averaged:

📈 Non-election years: 15.9%
🇺🇸 Presidential election years: 11.6%
🗳️ Midterm election years: 8.6%

But there’s more to the story! Excluding 2002 (midterm year) and 2008 (presidential election year), two years marked by significant market declines, improves the historical election-year averages. This highlights how a few unusually difficult years can skew the data.

The takeaway? With midterm elections approaching, investors should be prepared for potential increases in volatility and the possibility of lower returns. But historical averages don’t predict what will happen next. Making emotional decisions based on political headlines can be more harmful than staying focused on a disciplined, long-term strategy.

At Sterling Heights Financial Group, we believe your financial goals, not election outcomes, should drive your investment decisions.

Source: Clearnomics, S&P 500 historical total returns through December 2023. Past performance is not indicative of future results.

10/21/2026

Should You Pay Off Your Mortgage Early or Invest the Money Instead?

Being mortgage-free sounds pretty good, doesn’t it?

But what if paying off your mortgage early isn’t necessarily the smartest financial move?

Let’s say you have a mortgage with a 3% interest rate and some extra money available each month.

Would you be better off paying down your mortgage or investing that money for the future?

Paying down your mortgage provides guaranteed interest savings and the peace of mind that comes with being debt-free.

On the other hand, investing could potentially provide greater long-term growth, although returns aren’t guaranteed.

The right answer isn’t the same for everyone.

Your mortgage rate, time until retirement, investment goals, and overall financial situation all play a role.

Sometimes the decision that makes the most sense financially isn’t the one that provides the greatest peace of mind. And that’s worth considering, too.

The key is understanding how each decision could affect your long-term financial goals before deciding which path to take.

If you’ve been wondering whether to pay down your mortgage or invest more toward your future, it’s worth taking the time to explore your options.

As always, I’m happy to help.

10/16/2026

We’re looking forward to attending Family Resources’ Night at the Races tomorrow evening!

Family Resources does incredibly important work helping children and families affected by abuse and trauma throughout our community.

Thank you to Family Resources for the kind recognition. We’re happy to support such a worthwhile organization and look forward to a great evening!

10/14/2026

Good morning Facebook family and friends!

I recently received my annual reminder to review my Social Security statement. It got me thinking about how many people actually take the time to review theirs.

For many Americans, Social Security will represent a significant portion of their retirement income. Understanding your estimated benefits is an important part of determining how much income you’ll need from your savings, investments, pensions, and other sources.

Remember, retirement planning isn’t just about how much you’ve saved. It’s about understanding how all your income sources work together.

If you haven’t reviewed your Social Security statement recently, you can access it at www.ssa.gov/myaccount.

If you have questions about how Social Security fits into your retirement strategy, feel free to contact me. As always, I’m happy to help.

10/01/2026

Good morning Facebook family and friends. Welcome to October!

As we begin the final quarter of the year, history gives investors an interesting reason for optimism. Since 1950, the S&P 500 has gained an average of 4.2% from October through December, with the market finishing the three-month period higher about 80% of the time.*

Of course, history doesn’t tell us what will happen this year. Corporate earnings have remained strong, while inflation, interest rates and the Federal Reserve’s next moves remain important factors to watch as we head into year-end.

October can also bring its share of volatility, which is a good reminder not to let short-term headlines distract from long-term goals.

The start of the fourth quarter is a great time to review your investments and retirement strategy to make sure your plan is still aligned with where you want to go. If you have questions or would like to review your current strategy, feel free to contact me. As always, I’m happy to help.

09/25/2026

This might be the most extreme retirement income strategy I’ve ever seen. 😂

If your retirement plan involves a wig, makeup, and pretending to be your mother, it may be time for a second opinion.

There are much easier ways to create reliable retirement income. Give me a call. As always, I’m happy to help.

09/17/2026

Good morning Facebook family and friends!

Yesterday, the Federal Reserve raised interest rates by 0.25% - its first increase since 2023.

The increase could create some short-term market turbulence. Historically, the S&P 500 has often declined during the weeks following the first rate increase of a cycle, only to recover those losses over the months that followed.

In previous rate-hike cycles, the market has generally produced positive returns during the following six to 12 months. There have been exceptions, including 2022, and history certainly does not guarantee what will happen this time.

Still, it provides some useful perspective. Short-term volatility following a Fed decision does not necessarily change the market’s longer-term direction.

If you’re concerned about how higher rates could affect your investments or retirement plan, reach out to me. As always, I’m happy to help!

09/14/2026

Well diversified Bond portfolio

09/13/2026

Good morning Facebook family and friends! As I prepare to root for my beloved Black and Gold today, I thought it was fitting time to talk about another gold.

I’ve had a few clients ask me recently about U.S. Money Reserve after seeing their commercials on TV.

First, despite the name, U.S. Money Reserve is a private precious-metals dealer. It is not the U.S. Mint and is not affiliated with the federal government.

Gold can certainly have a place in a diversified portfolio, but not every way of buying gold is the same.

Before purchasing gold or precious-metal coins from any dealer, make sure you understand exactly what you’re buying, the premium you’re paying over the value of the metal, and what you could reasonably expect to receive if you needed to sell it.

This can be especially important with collectible or proof coins, where the price you pay may be significantly different from the underlying value of the gold itself.

If you’re considering one of these offers, I’d be happy to take a look at it with you before you make a decision. As always, I’m happy to help!

GO BLACK AND GOLD!! LETS GO STEELERS!!!

09/11/2026

25 years ago today, our country changed forever.
We remember the lives lost, the heroes who answered the call, and the families forever impacted by September 11, 2001.
We remember. We honor. We will never forget.

Address

Pittsburgh, PA

Telephone

+14129652606

Website

http://www.SterlingHeightsFinancial.com/

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