After 20 years in the financial planning industry, one lesson has become clearer than ever: great financial advice isn't just about numbers—it's about understanding the human behind them.

In this solo episode of Investment Friday, Hannah Chapman reflects on two decades of guiding clients through market cycles, including the Great Recession, COVID, and today's AI-driven economy.

Hannah also pulls back the curtain on the newly launched X² Wealth Planning website, sharing the philosophy behind the firm, why it integrates fiduciary financial planning, investment management, Human Design, and money story work, and how this holistic approach helps clients build not just wealth—but lasting prosperity.

In this episode:

• Why inflation remains one of the biggest drivers of stock market performance

• The latest PCE inflation numbers and what they mean for interest rates

• Why the Federal Reserve may still raise rates this year

• Why oil prices matter more than most investors realize

• Why markets are always looking 6–12 months into the future

• A listener question: Should you keep cash on the sidelines waiting for a market crash?

• Why dollar-cost averaging continues to outperform emotional investing

• How cash reserves and portfolio rebalancing can prepare you for market downturns

• The philosophy behind the new X² Wealth Planning website

• Why financial planning should integrate technical expertise with personal alignment

• Understanding significant wealth events, including inheritances, business sales, and divorce

• Why the first step after receiving significant wealth is often to pause

Ready to work with a fiduciary CFP to build your long-term wealth strategy? Hannah is currently accepting new clients at X² Wealth Planning. Schedule a complimentary consultation: https://calendly.com/hannahrchapman/60-minute-exploration-call

Hannah Chapman, CFP®, APMA®, CRPC® | hannah.chapman@x2wealthplanning.com | x2wealthplanning.com