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

Is AI coming for your job? Are interest rates staying higher for longer? And what should investors be doing with bonds in today's market?

In this week's Investment Friday, Hannah Chapman and Brad Haines break down the Federal Reserve's latest decision, the massive AI infrastructure buildout happening behind the scenes, and why fixed income strategies may deserve a fresh look as markets navigate an uncertain future.

Learn:

• Why the Federal Reserve held interest rates steady

• How Kevin Walsh is changing Fed communication

• What the "dot plot" is and why it may become less important

• How oil prices impact inflation

• Why the Iran ceasefire matters for markets

• The role AI infrastructure plays in today's economy

• How data centers create short-term inflation

• Why AI may ultimately be deflationary

• How AI could increase worker productivity and incomes

• Why human capital still matters in an AI-driven world

• Fixed-rate bonds vs. floating-rate bonds

• When each bond strategy may make sense

• How investors can build stability into their portfolios

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?back=1&month=2026-06

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

Connect with Brad at bhaines@juncturewealth.com and online at https://www.juncturewealth.com

This week on Investment Friday, Hannah Chapman, CFP®, and Brad Haines, CFA, FRM, tackle two of the biggest financial stories currently making headlines: the highly anticipated SpaceX IPO and the latest update on Social Security's long-term solvency.

First, Brad breaks down why the SpaceX IPO has captured so much investor attention, what makes this offering unique, and why investors should expect significant volatility in the months ahead.

Then, Hannah and Brad pivot to Social Security, discussing the latest trustee report, what it actually means for current and future retirees, and why thoughtful retirement planning matters now more than ever.

Learn:

• Why the SpaceX IPO is generating so much excitement

• How IPO allocations actually work

• How private markets are changing the IPO landscape

• What the latest Social Security report revealed

• Why Social Security's trust fund projection moved closer

• How much of Social Security benefits could still be paid even if reserves run out

• Potential solutions lawmakers may consider

• Common Social Security mistakes retirees make

• Why retirement income planning requires more than just claiming benefits

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/25-minute-get-to-know-you-call

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

Connect with Brad at bhaines@juncturewealth.com and online at https://www.juncturewealth.com