Explore how the U.S. economy is transitioning from Quad 4 to Quad 1 — and what new Virginia vehicle, energy, and emissions policies mean for families, investors, and business owners. Allan Malina connects macroeconomic conditions with real-world financial decisions in this forward-looking episode.

📅 Aired November 15, 2025

In this week’s Purpose Driven Finances, Allan Malina breaks down the critical economic transition from Quad 4 to Quad 1 and provides a forward-looking investment strategy for 2026. Learn what this shift means for equities, inflation trends, and your personal portfolio. Allan then connects this to Virginia's evolving energy and vehicle policies—including EV mandates and the financial impact of RGGI re-entry—and how families and business owners must prepare.

Segment One — Quad 4 to Quad 1: Macroeconomic Transition & Investment Strategy

The economy in late 2025 sits in Quad 4 (slowing growth/slowing inflation). But early 2026 is shaping up as a move toward Quad 1, historically the strongest environment for equities, tech, and industrials. Allan outlines the portfolio positioning and rotation strategy: remain liquid now, selectively build growth exposure, and shorten duration as the yield curve steepens. He provides specific planning guidance for retirees (real-yield Treasuries) and business owners (locking in financing).

Segment Two — Virginia Vehicle, Energy & Emissions Policies: Impact on Household Finance

Virginia’s 2035 electric-vehicle requirement will phase out new gasoline car sales, leading to higher new-car prices and elevated demand for used vehicles. The state’s re-entry into RGGI (Regional Greenhouse Gas Initiative) means higher energy prices as utilities pass carbon-credit expenses to consumers, potentially raising power bills by 5–15%. Grid modernization, widespread EV charging, and clean-energy targets will require significant infrastructure spending.

Allan highlights how these policies influence trends: rising demand for lithium and copper, inflationary pressures, and new opportunities in green technologies and battery storage. Financial planning takeaways include budgeting for higher utility bills, considering EV charging installation costs, exploring energy-efficiency tax credits, and focusing investment exposure on scalable clean energy technologies.

Closing Perspective — Translating Regulation into Strategy

Allan closes with a clear reminder: “Policy changes are more than headlines — they affect household cash flow, taxes, and long-term opportunity. Our job is to help clients translate regulation into strategy, not stress.”

📞 Call Allan Malina at 434-316-0246

🌐 Visit www.servuscm.com

🎧 Listen now to understand how Quad transitions and Virginia policy shifts can shape your financial decisions heading into 2026 — and how proactive planning turns economic change into opportunity.