LEADING YOU ON THE PATH TO AN ENJOYABLE FUTURE

Norwood Economics believes that education is the cornerstone of a healthy retirement, which is why we educate our clients to help them make better financial decisions.

LEADING YOU ON THE PATH TO A BETTER FUTURE

Norwood Economics believes that education is the cornerstone of a healthy retirement, which is why we educate our clients to help them make better financial decisions.

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BUILDING A BETTER RETIREMENT

Norwood Economics is a low-cost, wealth management firm. We are a fee-only Registered Investment Advisor, which means we never sell products for a commission. Creating a successful retirement isn't easy. Let us help you create a financial plan that will grow and protect your wealth over time.

IT STARTS WITH A PLAN

Your financial success is Norwood Economics' goal. We begin with free, initial retirement planning, which includes a free portfolio review. Initial retirement planning will help you better understand what you need to do to achieve a successful retirement. The portfolio review will show you how much you're currently paying, how you're allocated, and your investment risk. During our initial meeting we'll develop a plan designed to achieve your financial goals.

recent blog posts

The Fed Cut the Funds Rate Last Week, but Why?

By Christopher Norwood • November 3, 2025

Executive Summary The S&P 500 rose 0.7% last week to finish at 6,840.20 The S&P is up 16.3% year-to-date A stock represents ownership in a business The S&P 500 is rising at an increasing rate, and that can't go on forever Profit margins have been stable over the long run The Federal Reserve cut the Fed funds rate by one quarter point last Wednesday, but why? Inflation appears nowhere near declining to the Fed’s 2% target The annualized headline CPI September number was the second-highest since January Inflation is hurting the lowest 50% of income earners in the U.S.

The Fed Will Cut Rates Wednesday

By Christopher Norwood • October 27, 2025

Executive Summary The S&P 500 rose 1.9% last week The Fed will cut the Fed funds rate by 0.25% this week. The funds rate is currently 4.00% to 4.25%. Financial conditions are already easy The stock market is setting new highs Gold typically does best when liquidity is abundant Gold is up 54% YTD Bond investors seem to be signaling a recession ahead Stock investors see blue skies instead The Stock Market

Credit Cracks and Falling Liquidity

By Christopher Norwood • October 20, 2025

Executive Summary The S&P 500 rose 1.7% last week to finish at 6664.01 The Nasdaq & the Dow Jones rose as well last week We had an inside day last Monday, then an inside week Earnings season is here The four credit events might snowball into something more serious Credit spreads have started to react, widening over the last two weeks Bond yields fell (yields down, price up) last week The dollar index is also falling The Federal Reserve has been draining excess reserves from the system since 2022 It appears as if the Fed has no choice but to end its Quantitative Tightening (QT) program The Stock Market The S&P 500 rose 1.7% last week to finish at 6664.01. The Nasdaq 100 was up 2.4% and the Dow was up around 1.5%.