Sonoma Wealth Advisors

Sonoma Wealth Advisors Serving the North-Bay as an independent fiduciary & financial planning firm.

08/31/2026

"Stocks and bonds" are mentioned in the same breath, but how are they different?
Only 3% of people in one survey could correctly answer how bonds and interest rates are correlated, yet millions of Americans own bonds. Chris Sipes CFP® sat down with Marketing Director Dano Weir this week with a complete deep dive on how bonds work: https://youtu.be/ifRh7uh9xUI

Source: https://www.moneytalksnews.com/only-of-investors-can-answer-these-basic-questions-about-bonds-can-you/
https://www.sec.gov/data-research/statistics-data-visualizations/us-households-participation-capital-markets
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

08/28/2026

Fed Chairman Warsh took the stage at their annual summer meeting at Jackson Hole while mortgage rates held at 6.67% and futures priced a 64% chance of no cut in September. Short rates are set by the Fed, but it would appear long rates are now set by the market. Does it even matter that he indicated the potential for a rate hike in September? Let's find out On The Markets.



This week Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Marketing Director Dano Weir:

• What did Fed Chariman Walsh say about rates at their annual meeting at Jackson Hole now that the Fed aims to be less transparent?

• What’s your approach as an investor? A decade-wide look at diversified investing like Berkshire Hathaway vs. the boom and bust of the Nasdaq.

• Lake America? How about the Gulf Of American Homebuyers To Sellers? A look at the historic imbalance.

• Why Daren thinks you shouldn’t read into anything until Labor Day





Audio only on

Apple Podcasts https://podcasts.apple.com/us/podcast/on-the-markets/id1802984526

Spotify https://open.spotify.com/show/2YqyNLN7mcBApS5RL2piAj





Book Your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/book-your-wealth-analysis



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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.

The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

08/27/2026

Family members looking forward to an inheritance someday? If it's an inherited IRA, it could be some of the most expensive income of the year.

Sonoma Wealth Managing Principal Daren Blonski CFP® breaks down how inherited IRAs and RMDs can have unexpected traps, and methods to optimize in the latest episode of It's All Money: https://youtu.be/irgfSKpQgo0?si=98uXhWd5RNzQw0db

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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.

The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

08/25/2026

Only 22% of investors in one study understood the basic principle of bonds. Is that you? If you have bonds in your portfolio, could you explain why?

Sonoma Wealth Managing Principal Chris Sipes CFP® sat down with host Dano Weir on the latest episode of It's All Money to explain how this "boring" asset class quietly is 3 times larger globally than the entire US stock market.

Full episode here: https://youtu.be/ifRh7uh9xUI?si=9Aby_-lYohqmi4Bb

Source: https://www.businessinsider.com/only-22-of-investors-know-basic-principle-of-bonds-2016-10

_______________________________________
Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.

The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Investment performance is only part of the story. For investors using long-short strategies, understanding how net capit...
08/25/2026

Investment performance is only part of the story. For investors using long-short strategies, understanding how net capital losses may be managed can play an important role in improving after-tax outcomes.

Our latest white paper explores how net capital losses can potentially be turned into tax advantages and what that can mean for long-term wealth preservation.

Read it here: https://sonomawealthadvisors.com/resources/white-papers

08/21/2026

The national debt crossed $40.05 trillion on August 18 as the 30-year Treasury yield climbed above 5.3% to its highest level since 2007. To support market liquidity, the Treasury will at least double its long-end buyback operations from $2 billion to at least $4 billion per operation beginning September 9, covering 10-to-20 and 20-to-30 year securities. To the average investor, those events may be hard to comprehend. This week we take on the bond market with perspective on On The Markets from Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Marketing Director Dano Weir:

• How the war in Iran, Japanese oil and “bond vigilantes” all coalesced into a historic extension of buyback operations this week.
• US National Debt passes $40T. Which President borrowed the most? Hint: he’s not currently in office.
• US government is facing a spending cliff next year- what will they do when their obligations finally exceed their income?
• Biggest trading loss of all time was recorded this month, more than double the 2nd place on the list!
• Plus despite the Fed’s attempt to control the bond market, Daren’s got the charts to show the market’s calling Bessent’s bluff.

Audio only on
Apple Podcasts https://podcasts.apple.com/us/podcast/on-the-markets/id1802984526
Spotify https://open.spotify.com/show/2YqyNLN7mcBApS5RL2piAj

Book Your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

_____________________________________
Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.

The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

08/19/2026

Don't look now, but those RMD's could be the most expensive income you get all year. Why?

Sonoma Wealth Managing Principal Daren Blonski CFP® breaks down 4 traps that Required Minimum Distributions can lead to, and 3 moves to potentially optimize your situation on the latest episode of our podcast It's All Money: https://youtu.be/irgfSKpQgo0?si=WfSIoIAFHELszxxJ

_______________________________________
Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.

The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

08/14/2026

This week Sonoma Wealth Managing Principals Daren Blonski CFP®, Chris Sipes CFP® and Marketing Director Dano Weir examine:

• Consumer spending came in soft? Consumer confidence is even lower? Rate hikes possibily on the horizon? We discuss why the “honey badger market” just don’t care.

• Why data centers are being exempted from selling shares in a way that other businesses are not.

• Corporate bank lending hits an all time low. Why does private credit rule the kingdom?







Audio only on

Apple Podcasts https://podcasts.apple.com/us/podcast/on-the-markets/id1802984526

Spotify https://open.spotify.com/show/2YqyNLN7mcBApS5RL2piAj





Book Your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/book-your-wealth-analysis





_____________________________________

Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.

The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Does your investment strategy reflect your goals, tax considerations, and financial priorities? Separately Managed Accou...
08/12/2026

Does your investment strategy reflect your goals, tax considerations, and financial priorities?

Separately Managed Accounts (SMAs) provide direct ownership of individual securities, allowing for greater customization, enhanced tax management, and a portfolio that can be aligned more closely with each client's unique financial picture.

As Chris Sipes shares, personalization isn't just about investing differently. It's about investing intentionally.

If you're wondering whether an SMA could complement your investment strategy, we'd be happy to start the conversation.

Read it here 👉 https://sonomawealthadvisors.com/resources/white-papers

August is Make-A-Will Month, a timely reminder that thoughtful financial planning extends beyond your lifetime.A will ca...
08/11/2026

August is Make-A-Will Month, a timely reminder that thoughtful financial planning extends beyond your lifetime.

A will can help ensure your wishes are clearly documented, but it is only one piece of a comprehensive estate plan. Beneficiary designations, trusts, powers of attorney and other planning considerations can all play an important role in how your wealth is ultimately passed on.

If it has been a while since you reviewed your estate plan, or you haven't created one yet, this month is a good opportunity to start the conversation.

Because planning for the future isn't just about building wealth. It's about being intentional with where it goes next.

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