Perennial Financial Services

This Thanksgiving, we’re reflecting on the many stories we’ve had the privilege to be part of this year—the milestones, challenges, and successes shared by our clients and team. At Perennial Financial Services, we are thankful for the trust you place in us and for the opportunity to help you pursue your goals. From our family to yours, we wish you a holiday filled with warmth, gratitude, and meaningful moments with those who matter most. #PerennialFinancialServices #Thankgiving #Grateful #GrowWithUs

Earnings per share (#EPS) growth for the S&P 500 (#SP500), led by the communication services sector, is currently tracking above 8% year-over-year. This #growth excludes the impact of a major aerospace company’s substantial #earnings decline and a prominent tech giant’s multi-billion-dollar European tax settlement. The average company has exceeded earnings expectations by a solid 4.6%. Communication services, consumer discretionary, and industrials delivered the largest positive surprises, while materials and utilities underperformed and missed earnings targets overall. Equally significant as last quarter’s results is the trend in forward estimates. Since October 1, forward EPS estimates for the S&P 500 have only declined by 1.1%, with upward revisions in communication services, consumer discretionary, and financials helping to offset declines elsewhere. #CorporateAmerica didn’t need to deliver exceptional results—and it didn’t. However, with consistent earnings beats and resilient forward estimates, the market remains supported by a favorable outlook for double-digit earnings growth in the coming year.

Julian Locke, CFP® ChFC® CRPC™ CDFA® is more than a financial advisor—she’s a dedicated partner who takes pride in understanding her clients’ goals and dreams. Her personalized approach goes beyond numbers, creating meaningful, tailored strategies for life’s major transitions, including retirement, business planning, and managing inherited wealth. With her extensive background and multiple designations, Julian brings knowledge and a commitment to excellence. Outside of work, she enjoys traveling, playing mahjong, reading, and volunteering for causes close to her heart. We’re proud to have Julian on the Perennial Financial team! #AdvisorSpotlight #PerennialFinancialServices #ClientFocused #MeetOurTeam #GrowWithUs

Our blog page is the go-to spot for expert insights, industry trends, and a range of topics to keep you updated on everything happening in the financial world — and beyond. From helpful articles to thought-provoking content, there's something for everyone. Visit www.perennialfs.com/blog to explore all of our latest posts and stay ahead of the curve. #PerennialFinancialServices #FinancialInsights #IndustryTrends #ExploreOurBlog #GrowWithUs

If the busy season has left you feeling overwhelmed and unable to focus on your financial goals, don’t worry — we are here to help. Our team at Perennial Financial Services can guide you through financial planning, confirming you're set up for success in the new year, no matter how busy life gets. Let us handle the details so you can focus on what matters most. #PerennialFinancialServices #FinancialPlanning #NewYearGoals #StressFreeFinances #GrowWithUs

By continuously updating our technology and refining our strategies, we ensure that our clients, advisors, and affiliates have access to the most innovative solutions in the industry. It’s this commitment to excellence and forward-thinking that keeps Perennial Financial Services at the forefront of financial services, empowering all those we work with to make smarter, more informed decisions. #PerennialFinancialServices #TechForward #ClientFocused #IndustryLeaders #GrowWithUs

We’re committed to helping advisors thrive with top-notch technology and resources. Through our advisor-focused platform, GoHybridRIA.com, we provide an all-in-one solution driven by our in-house Chief Technology Officer. From cutting-edge website enhancements to seamless automated marketing, plus access to legal counsel and discounted branding materials, GoHybridRIA.com equips advisors with everything they need to elevate their practice and serve clients with excellence. Explore what’s possible with Perennial’s advisor-centric approach! #GoHybridRIA #PerennialFinancialServices #InnovationInFinance #AdvisorSolutions

We’re excited to welcome Gregory Morse, CFP® to LPL Financial and the Perennial Financial Services team! Gregory brings not only extensive industry knowledge but also a passion for making a real difference in people’s lives. Driven by a commitment to understanding each client’s unique beliefs, goals, and “big picture,” he works tirelessly to help ensure they’re on the path toward their dreams—adjusting along the way to meet what truly matters to them. With a focus on building deep, lasting relationships and a belief in the power of independent advice, Gregory values the impact of personalized guidance in a world moving toward automation. We’re proud to have him onboard, knowing he shares our core values and dedication to clients. #WelcomeToTheTeam #PerennialFinancialServices #ClientFocused #GrowWithUs #LPL #LPLFinancial

Today, we extend our gratitude to the brave men and women who have served our country with courage and commitment.  At Perennial Financial Services, we recognize the sacrifices veterans make for our freedom and security, and we remain dedicated to supporting veterans and their families in building secure financial futures. To all veterans and their loved ones, thank you for your service and your sacrifices.  #VeteransDay #PerennialFinancialServices  

We understand that life can be busy, with commitments that demand your time and energy every day. That’s why our advisors are here to help shoulder the stress of financial planning, so you can stay focused on what matters most right now. Let us handle the planning for your future, bringing clarity and confidence to your financial journey—allowing you to enjoy today, knowing tomorrow is in good hands with Perennial Financial Services. #FinancialPlanning #PerennialFinancialServices #FocusOnTheNow #PlanForTomorrow #GrowWithUs