Investor Insights Quarterly Investment Webinar - July 2025

Chief Investment Officer, George Padula and Director of Investment Strategy, Sarah DerGarabedian of Modera’s investment team present:
• Q2 2025 Research and perspectives on the economy and markets, including market shifts and patterns that impact the financial landscape
• Portfolio positioning to keep you on track with your financial plan
• Q&A

Some key takeaways from the presentation are:
• Time as a Strategic Asset - Time plays a vital role in investing—allowing for compounding, growth, and perspective.
• Markets Rebound After Volatility
• Global Performance & Diversification Pay Off
• Economic Stability Holds
• Fed Watch & U.S. Dollar Trends - The Fed is expected to remain cautious, with potential rate cuts later in 2025. A lower U.S. dollar vs. other currencies may boost international equities while assisting exports
• Stay the Course - Resist reactionary moves. Amid rapid global changes, maintaining a long-term strategy grounded in fundamentals—diversification, discipline, and time—is the best path forward.

Disclosures:
Modera Wealth Management, LLC (Modera) is an SEC-registered investment adviser. SEC registration does not imply any level of skill or training. For information pertaining to our registration status, the fees we charge including how we are compensated and by whom, additional costs that may be incurred, our conflicts of interest, any disclosed disciplinary events of the Firm or its personnel, and the types of services we offer, please contact us directly or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov) to obtain a copy of our disclosure statement, Form ADV Part 2A, and ADV Part 3/Form CRS. In addition, our Privacy Notice outlines how we handle your non-public personal information. Please read these documents carefully before you make a decision to hire Modera, invest or send money.

This presentation is limited to the dissemination of general information about Modera’s investment advisory and financial planning services that is not suitable for everyone. Nothing herein should be interpreted or construed as investment advice nor as legal, tax or accounting advice nor as personalized financial planning, tax planning or wealth management advice. For legal, tax and accounting-related matters, we recommend you seek the advice of a qualified attorney or accountant. This presentation is not a substitute for personalized investment or financial planning from Modera. There is no guarantee that the views and opinions expressed herein will come to pass, and the information herein should not be considered a solicitation to engage in a particular investment or financial planning strategy. The statements and opinions expressed in this article are relevant as of the date of publication and are subject to change without notice based on changes in the law and other conditions.
Investing in the markets involves gains and losses and may not be suitable for all investors. Information herein is subject to change without notice and should not be considered a solicitation to buy or sell any security or to engage in a particular investment or financial planning strategy. Individual client asset allocations and investment strategies differ based on varying degrees of diversification and other factors. Diversification does not guarantee a profit or guarantee against a loss.