RETIREMENT PLANNING With Rob Ryan RYAN WEALTH MANAGEMENT Chang Your Coue for i DANGEROUS CURVES AHEAD? The "yield curve," the difference in interest rates between long- and short-term Treasuries, has been narrowing. This is important because this bond market economic indicator has been used in the past as a predictor of looming recession. If the yield curve inverts and the two-year rate rises above the ten-year rate, the Federal Reserve Bank of Cleveland has found that, on average, a recession occurs about one year after the inversion takes place. In fact, an inversion has preceded the past seven recessions. In a healthy economy, longer-term bonds are able to be priced higher because investors are compensated for locking up their money for longer periods of time. If investors expect interest rates to fall in the future, the reasoning changes. Financial planning takes the guesswork out of managing your finances, and helps you understand the implications of each financial decision you make. At Ryan Wealth Management, we understand that managing investments and retirement income is more complicated and time-consuming than ever before. We follow a disciplined approach to balance risk and return, and believe that educating clients enables them to make informed decisions prior to retirement and during retirement. Ask for our Second Opinion analysis. While an inverted yield curve has predicted the last seven recessions, there were false positive yield curves in 1968 and 1998. MONEY Source: DEC18 (w.c. 125) (FINAN1218B) https://www.clevelandfed.org our-research/indicators-and-datalyield-curve and-gdp-growth.aspx To contact Rob Ryan (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will I outlive my money?" Rob Ryan is a Registered Representative offering securities and advisory services tkrough Reyal Alliance Associates, Inc. . regiatered broker-dealer and regiatered investent adviser, Member FINRA, SIPC. Additional advisary services, inrasce and Estate Planning offered thresgh Ryan Wealth Management are indpendent of Royal Allianoe. Principal of Ryan Wealth Management, Inc. located at 463 Century Park Drive in Yaba Cay CA Insarance L ocas9s9 RETIREMENT PLANNING With Rob Ryan RYAN WEALTH MANAGEMENT Chang Your Coue for i DANGEROUS CURVES AHEAD? The "yield curve," the difference in interest rates between long- and short-term Treasuries, has been narrowing. This is important because this bond market economic indicator has been used in the past as a predictor of looming recession. If the yield curve inverts and the two-year rate rises above the ten-year rate, the Federal Reserve Bank of Cleveland has found that, on average, a recession occurs about one year after the inversion takes place. In fact, an inversion has preceded the past seven recessions. In a healthy economy, longer-term bonds are able to be priced higher because investors are compensated for locking up their money for longer periods of time. If investors expect interest rates to fall in the future, the reasoning changes. Financial planning takes the guesswork out of managing your finances, and helps you understand the implications of each financial decision you make. At Ryan Wealth Management, we understand that managing investments and retirement income is more complicated and time-consuming than ever before. We follow a disciplined approach to balance risk and return, and believe that educating clients enables them to make informed decisions prior to retirement and during retirement. Ask for our Second Opinion analysis. While an inverted yield curve has predicted the last seven recessions, there were false positive yield curves in 1968 and 1998. MONEY Source: DEC18 (w.c. 125) (FINAN1218B) https://www.clevelandfed.org our-research/indicators-and-datalyield-curve and-gdp-growth.aspx To contact Rob Ryan (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will I outlive my money?" Rob Ryan is a Registered Representative offering securities and advisory services tkrough Reyal Alliance Associates, Inc. . regiatered broker-dealer and regiatered investent adviser, Member FINRA, SIPC. Additional advisary services, inrasce and Estate Planning offered thresgh Ryan Wealth Management are indpendent of Royal Allianoe. Principal of Ryan Wealth Management, Inc. located at 463 Century Park Drive in Yaba Cay CA Insarance L ocas9s9