A Super Power

There’s a misconception in the financial industry that age equals wisdom. While experience absolutely matters, there’s also tremendous value in having a financial advisor who is young enough to walk through multiple generations of life with you.

At almost 30 years old, I’ve realized that my age isn’t a disadvantage in this business — it’s a superpower.

Most people don’t hire a financial advisor for a one-time transaction. They hire someone they hope will guide them through decades of decisions, transitions, risks, opportunities, and family milestones. Financial planning isn’t about beating a benchmark for one year. It’s about helping people navigate life over 30-40 years.

That’s where being a younger advisor creates a different kind of value.

When I sit down with clients in their 50s or early 60s preparing for retirement, there’s a very good chance I’ll still be here walking alongside them 20 years from now. More importantly, I’ll likely be here helping their children and even grandchildren navigate their own financial lives.

That continuity matters more than people realize.

Far too often, families experience financial “resets.” An advisor retires. A relationship disappears. The next generation starts from scratch with someone new who doesn’t understand the family history, values, goals, or dynamics. Wealth planning becomes disconnected.

But real financial planning should be generational.

It’s not just about helping someone retire comfortably. It’s about helping their children avoid financial mistakes, teaching the next generation how to manage wealth responsibly, preparing families for inheritances, estate transitions, business succession, tax changes, long-term care concerns, and everything else life throws at them over decades.

The best financial advisors don’t just manage money.

They become part of the family’s long-term decision-making process.

Being younger also gives me a unique perspective because I’m living through many of the same economic realities younger generations face today. I understand what it feels like to buy a house in an expensive market, navigate student loans, build a business in a digital economy, deal with inflation impacting everyday life, and balance ambition with uncertainty.

At the same time, I spend every day helping retirees manage income, taxes, healthcare costs, market volatility, and legacy planning.

That creates an uncommon bridge between generations.

I can help parents understand what their kids are financially dealing with today, while also helping younger generations understand the long-term lessons and discipline that built wealth in the first place.

In many ways, that’s the future of financial planning.

Not just portfolio management.

Not just investment returns.

But helping families create alignment across generations.

One of the biggest compliments I receive from clients is when they introduce me to their children. That tells me they’re not just thinking about today’s portfolio performance — they’re thinking about long-term trust and continuity.

That’s what this business should be about.

At Lloyd Financial Group, we believe financial planning is a decades-long relationship, not a quarterly meeting. Markets change. Tax laws change. Economies change. Families change.

The advisor guiding you through those changes should be prepared to grow with you through every stage of life.

Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

Colin Symons, CIO Lloyd Financial Group

ADP Employment showed a 33K gain, up from last week’s 30K. Private hiring continues to look good.

Headline CPI was just a touch high, at 0.6% m/m, as expected. Core was higher, though, at 0.4% vs. exp. 0.3%, bringing the Y/Y number up to 2.8%. That’s not great, but not massively bad. Worth noting some of the inflation is due to crossing over an old 0% shelter number from when the government was shut down, so it’s not quite as bad as it looks.

The bond market looked at the above, thought about it for a while, and decided the next FOMC rate action would be a March ‘27 hike, which growth stocks didn’t much care for. It also whacked gold and sent the dollar up.

The US is on its way to China for trade talks.

Japanese investors sold the most Treasuries in about four years as they deal with oil prices. Foreigners heavily selling US assets isn’t something we want to see a lot of.

2Y T rates hit the highest since June. No bueno.

Can we even get a full one-day decline? Despite rates and oil not relaxing, stocks bounced well off lows in the afternoon.

Korean stocks rapidly erased yesterday’s losses on heavy local buying.

AMD announced an investment in Marvell (MRVL,) sending shares up 3%.

PPI today.

Bottom line: Stocks continue to recover from yesterday’s semi-panic. Was that it?

Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

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This content is intended to provide general information about Lloyd Financial. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.

The views expressed in this commentary are subject to change based on market and other conditions. These documents may contain certain statements that may be deemed forward‐looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Any projections, market outlooks, or estimates are based upon certain assumptions and should not be construed as indicative of actual events that will occur.

Past performance is no guarantee of future returns.

Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable

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