As we move through the 2025 holiday season, we hope you are able to enjoy meaningful time with family and friends. This time of year offers a welcome opportunity to pause, reflect on the year behind us, celebrate progress and milestones, and thoughtfully consider the goals ahead.
As you wrap up the year, please know that our team is here to support you.
Whether you have questions related to year-end planning, taxes, charitable giving, or simply want to revisit your broader financial goals, we encourage you to reach out. We are always happy to connect and look forward to continuing the conversation in the year ahead.
Check out the articles and invitations below to help confidently take you into the new year:
- Advisor Insights Blog: Cash Management: Small Businesses
- Market Pulse: The Market Outlook 2026: The Policy Engine
- Featured Insights: Community Update & The Webinar Series 2026
If you have questions on these topics, please reach out. We also invite you to share this newsletter with others who may find it helpful.
Additionally, we invite you to stay connected with Moneco on Facebook, LinkedIn, or X. Across our social networks, you’ll find pertinent articles and many financial planning resources from week to week. Timely articles are also available on our website in our resources section here.
Best wishes for your holiday season!
Cash Management: How should small business owners manage cash flow and excess cash?
Effective cash management is a core component of structuring a small business for long-term success. Maintaining sufficient liquidity allows a business to remain stable, respond to unexpected expenses, and take advantage of opportunities as they arise.
Many business owners benefit from maintaining three to six months of operating expenses in readily accessible reserves. This buffer can help manage cash flow fluctuations, support seasonal variability, and reduce financial stress during periods of uncertainty.
Planning ahead for anticipated investments such as equipment upgrades, technology, or staffing needs is equally important, as it allows these expenditures to be funded deliberately rather than reactively.
Once these core needs are met, excess cash may be more effectively deployed outside the business. Strategic use of surplus capital can support diversification, retirement planning, tax efficiency, and broader personal financial goals.
Thoughtful cash management, aligned with a comprehensive financial plan, helps ensure that your business remains a strong foundation for both today’s operations and your long-term financial objectives.
Click here for Charlie Rocco’s in-depth take on Small Business Cash Management.
Market Outlook: The Policy Engine
Questions about 2025 and what to consider as we enter the new year?
Understanding where markets have been and recognizing the trends that shaped the past year can provide valuable perspective as we look ahead. As 2026 begins, staying informed on evolving economic and market dynamics can help investors make more confident, well-informed decisions.
The LPL Market Outlook below explores key themes expected to influence markets in 2026 and offers practical insights for navigating a changing investment landscape. Topics include the continued impact of AI-driven growth, shifting fiscal and monetary policy, evolving interest rate expectations, and ongoing market volatility.
We encourage you to review the outlook to learn more about:
- 2026 insights: Thoughts on what’s next?
- Equity trends: AI enthusiasm, Federal Reserve easing, and mid-cycle market volatility.
- Fixed income: Reviewing yields and income opportunities across sectors.
- Portfolio strategy: A look at what can impact your investments over time.
Read the LPL Outlook 2026 Report below. For a snapshot, click on the Outlook Executive Summary for the highlights!
outlook-executive-summary-2026.pdf
Our Featured Insights: Community Update & The 2026 Webinar Series
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As 2025 comes to a close, we want to pause and reflect with gratitude. It has been a meaningful year at Moneco, made possible by the trust our clients place in us every day. We are thankful for the opportunity to serve you, to continue growing our team, and to stay engaged in the communities we call home. We are especially grateful to our clients and partners for the support that has allowed us to be recognized this year for Top 60 Best RIA’s to Work for in America, Newsweek’s Top Financial Advisory FIrms in America and the Forbes Top 250 Financial Advisory Firms in America. We humbly accept these awards and rankings, and know that any honors we receive are a reflection of the relationships we’ve built and the shared work we do together. Learn more and see criteria/methodology for each of these awards here. As we look ahead to the new year, we wish you and your families a happy holiday season, and continued health, clarity, and confidence in the year to come. And we look forward to what we will accomplish together. MONECO OFFICES’ HOLIDAY SCHEDULE: Closed December 24, from 1 pm to 5 pm. Closed December 25th and the 26th. Open December 31, through 4 pm. Closed January 1, 2026. We return January 2nd to help you kick off new beginnings in the new year! |
Please Join Us for the 2026 Moneco Webinar Series, beginning January 21st!Webinar #1: Join us for an insightful presentation on January 21st at 1:00 pm, as Partner Jason Hyde and team present: Decoding the U.S. Debt Situation Please RSVP here to obtain the meeting link: https://us06web.zoom.us/webinar/register/WN_cyeLtgETRhaSrYzIySSAqA Webinar #2: January 28th at 1:00 pm, join Moneco Partner and CFP®, T.J. Hickey and Johnny Wells, EA, for our presentation on: Tax Planning Fundamentals For 2026 Please RSVP here to obtain the meeting link: https://us06web.zoom.us/webinar/register/WN_EIYk7qJvQ4eBB_UXFbdJ-w |
For additional educational, financial wellness webinars visit our YouTube channel, including Estate Planning Basics and the Financial Planning Basics + Beyond Webinar replays.
These are highly shareable with family and friends (and might even help with upcoming holiday conversations!)
Important Disclosures
This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. Moneco Advisors, LLC and LPL Financial are not affiliated with any other referenced entity.
This commentary reflects the personal opinions, viewpoints and analyses of the Moneco Advisors employees providing such comments, and should not be regarded as a description of advisory services by Moneco Advisors or performance returns of any Moneco Advisors client. The views reflected in the commentary are subject to change at any time without notice. Nothing in this commentary constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Moneco Advisors manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.