Presented By: Kemple Financial The lack of progress in negotiations to end the war in the Middle East and a return to military action led to a 21 percent rise in oil prices and a mixed month for stocks. Much of the weakness was concentrated in several high-flying artificial intelligence beneficiaries focused on semiconductors and memory. However, underlying trends in the market remained positive. 1. Beyond the Headlines: Volatility Masks Improving Underlying Trends 2. Fixed

Presented By: Kemple Financial Against a backdrop of easing geopolitical risks and strong earnings growth, markets rallied strongly across the board. The S&P 500 and Nasdaq turned in their strongest quarters since the second quarter of 2020. Throughout the quarter, the U.S. and Iran moved slowly toward the signing of a Memorandum of Understanding (MOU) to potentially end the war in the Middle East. As a result, the benchmark U.S. crude price declined more than 30 percent. 1

Presented By: Kemple Financial Trump Accounts are a new investment savings vehicle designed to help families invest for a child’s future. While similar in some ways to custodial IRAs, Trump Accounts have different features and rules for eligibility, contributions, withdrawals, and investment options. They may be funded through personal, employer-sponsored, or charitable contributions, each with its own tax considerations. Like any long-term savings strategy, it’s important to