Markets can feel intense when the numbers are red—but a 2% down week is not a crisis. The bigger question is: are you making decisions from your plan… or from your nervous system?

In this episode, Hannah Chapman, CFP®, APMA®, CRPC®, expands that question into relationships: how do you build a plan that works for two humans, not just one spreadsheet?

• Why a small pullback after all-time highs is normal

• How profit-taking and rebalancing drive short-term volatility

• Why AI infrastructure spending can pressure profits short-term

• How to plan through volatility without making emotional decisions

• Why money is a relationship skill—not just math

• How to make sure both partners feel heard in the financial process

• Why “couple goals” can hide misalignment

• How money stories shape spending conflict

• How to stop the spender vs saver teeter-totter

Connect with Hannah at Hannah.Chapman@x2wealthplanning.com and online at https://x2wealthplanning.com

Connect with Brad at brad@juncturewealth.com.

This week was a reminder that markets can experience meaningful movement even when the underlying fundamentals haven't changed. We saw volatility driven by rotation, rebalancing, and shifting investor expectations — not panic, and not systemic risk.

In this episode of Investment Friday, Hannah Chapman, CFP®, is joined by Brad Haines, CFA®, FRM®, CIO of Juncture Wealth Strategies, to break down what's actually happening beneath the headlines.

Together, they explore why markets are becoming more selective, how to interpret recent layoff announcements, what a new Fed chair nomination could mean for monetary policy, and why understanding tax-efficient strategies like Qualified Charitable Distributions (QCDs) matters more than ever.

Learn more about:

• What's driving market volatility right now — and what isn't

• Sector rotation, profit-taking, and why differentiation matters

• AI, tech, and how markets are starting to separate winners from the theme

• Layoff headlines vs. labor market reality

• The Fed chair nomination and why Federal Reserve independence matters

• Qualified Charitable Distributions (QCDs): how to give more and pay less in taxes

• Using required minimum distributions strategically

• Why context matters more than headlines for long-term investors

Reminder: Follow Investment Friday and subscribe on YouTube. The show now lives fully in its own podcast feed and YouTube channel.

Connect with Hannah at Hannah.Chapman@x2wealthplanning.com and online at https://x2wealthplanning.com

Connect with Brad at brad@juncturewealth.com.

This week was a great reminder of how quickly markets can move on headlines alone—without anything fundamentally changing underneath. We saw volatility driven by political rhetoric, followed by an equally fast recovery once that noise settled back down.

In this episode, Hannah Chapman, CFP®, APMA®, CRPC®, helps you understand why this kind of movement doesn't mean something is “wrong” with the economy or your plan.

Additionally, she walks you through one of the most important retirement questions there is: how much money do you actually need to retire—and where the 4% rule helps, and where it falls short.

Learn more:

• What moved markets this week (and why it matters)

• Investor behavior: Stop checking so often

• Retirement planning: “How much do I need?”

• The “forward math” Hannah recommends

• Retirement spending isn't flat: “Go-go / slow-go / no-go”

• Different investor life stages

Reminder: Follow Investment Friday and subscribe on YouTube—this show will live fully in its own feed/channel starting in February.

Connect with Hannah at Hannah.Chapman@x2wealthplanning.com and online at https://x2wealthplanning.com