Focused on the Future: Leading With Values, Growing With Intention with Julia Carlson

Published on November 25, 2025

Financial Freedom Wealth Management's Julia Carlson discusses her inclusive, values-driven culture.

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What Earnings Say About the Cautious US Consumer Ahead of Black Friday

November 25, 2025
Retail earnings ahead of Black Friday show a clear split: value-focused discounters like TJX and Walmart are thriving, while Target and home improvement stores struggle with consumer pullback on discretionary items. This shift reflects broader economic pressure, as consumers trade down due to high prices, weakening income sentiment, and increased reliance on credit.

The Evolving Role of Gold in Investors’ Portfolios

November 25, 2025
The article explores gold's role as a distinct, independent alternative asset class, discussing its diversification benefits, price inelastic demand across four sectors, and practical ways for investors to gain exposure. A financial advisor shares insights on appropriate portfolio allocation targets and the benefits of using ETFs or Unit Investment Trusts (UITs) over holding the physical metal.