Financial Institutions Quarterly Insights 4th Quarter 2025
TONY ALBRECT & PATRICK LARSON Q4 Strategy
January 13, 2026
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AREAS OF EXPERTISE
Municipal Quarterly Insights 4th Quarter 2025
PATRICK LARSON Q4 Review - The Fed Eases
January 12, 2026
Find out moreFinancial Institutions Insights 3rd Quarter 2025 Q4 Strategy
TONY ALBRECHT & PATRICK LARSON Q4 Strategy
The 3rd quarter was very good for many investors. Interest rates declined, the Fed lowered the fed funds rate by 25 basis points, the NASDAQ advanced 11% and the S&P 500 increased 7%.
October 15, 2025
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PATRICK LARSON Q3 Review – Glad That’s Settled
People were feeling good about the prospects of an established global trading regime, with a base tariff rate of 10%, and “reciprocal” tariffs on roughly 60 countries.
October 14, 2025
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Markets finished the 2nd quarter in a pretty good mood. Interest rates on short to intermediate bonds fell slightly and longer-term rates rose slightly. Equities posted very solid gains despite a sharp decline in April as tariff uncertainty roiled equity markets.
August 27, 2025
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We are the proverbial “frogs in the boiling water” in that at the start of April most people thought that global trade was going to be redefined and even decades old strategic alliances were coming to an end. As “Liberation Day” came and went, followed by pauses, reversals, and occasionally amplified threats U.S. trade policy has quickly become much more livable than originally thought.
August 27, 2025
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The first quarter came in like a lamb and went out like a lion.
April 17, 2025
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Art is subjective and “progress” may depend on your vantage point and bias.
April 17, 2025
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Will “Higher for Longer” Ever End?
January 17, 2025
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Corporate Insight
Property and Casualty
AI Isn’t Liable for the Mistake. You Are.
Artificial intelligence is powerful. It’s also wrong more often than people want to admit.
If you use AI to support or deliver professional services, any mistake it makes is still your responsibility. Not the software’s. Not the vendor’s. Yours.
April 1, 2026
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Property and Casualty
Identity hijacking is surging. Here’s what leaders need to know.
Cyber incidents across our client base have been sharper, faster and more costly this year. Even organizations with strong controls are being hit in ways that look very different from past attacks.
March 13, 2026
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Property and Casualty
AI-Powered Cyber Attacks, Why Yesterday’s Defenses Aren’t Enough.
The widespread availability of AI technology, combined with the ease of manipulating video calls, makes phone and Zoom calls susceptible to exploitation by threat actors.
February 2, 2026
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