Russ opens with market trends and predictions for 2025.  He reflects on the year-end performance of various markets, highlighting the significant rise in tech stocks and the challenges faced by international stocks and bonds. Russ shares insights from his year-end letter to clients, emphasizing the importance of risk control and asset allocation. The discussion also touches on the potential economic challenges ahead, including inflation and government spending, and concludes with a focus on core investing principles that can lead to financial freedom.  Hackmann Wealth Partners Senior Vice-President Clare Hare also joins with a case study.

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