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Louis A. Gardner, President of Gardner Brown Associates Inc., has been in the Financial Services industry for over 30 years. Over the span of his career he has served as an Executive with three major insurance carriers.

Gardner Brown & Associates, Inc was started in 2008 with the objective to allow our firm to work directly with individual and corporate clients in the vast area of financial advisement.

Louis has been named one of the nation's Best Advisors by Medical Economics due to his vast knowledge and expertise in the area of financial advisement. Gardner Brown Associates is able to assist  corporate clients in devising executive, core and voluntary benefits and individual clients in all areas of financial matters.

From tackling personal decisions to reaching important milestones, Gardner Brown Associates, Inc. guides you on the path to financial success. As a professional financial planning firm, Gardner Brown Associates, Inc. guarantees optimal results based on your specific needs. We are fueled by our commitment to excellence and go the extra mile to make sure our clients are fully satisfied with the services provided. Get in touch with us today for a free financial advisement consultation.

Securities offered through Lion Street Financial, LLC, member FINRA, SIPC. Investment advisory products and services offered through Lion Street Advisors, LLC, an investment advisor registered with the SEC. Lion Street Financial, LLC and Lion Street Advisors, LLC are affiliated companies but neither is affiliated with Gardner Brown Associates, Inc. Neither of these companies provide tax or legal advice. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed.

Check the background of this investment professional on FINRA's BrokerCheck.



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Our clients are our number one priority, and we go the extra mile to make sure they’re completely satisfied with our service. Whether individual or corporate clients, we will review current insurance and investment holdings and provide explanations of current holdings in a manner which is understandable.

Analysing the Data


Gardner Brown Associates, Inc. aims to collect, analyze, and solve your financial advisement needs. After we collect your current holdings data and analyze your information we are able to present customized solutions to assist you in reaching your financial goals.

Analysing the Numbers


Many clients know what they want to achieve in 5, 10 or 20 years financially but they are not sure how to get there. At Gardner Brown Associates, Inc. we listen to your financial wants and needs and help develop a specific plan on how to achieve those goals.


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(949) 375-2008 (Tel)

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Mon - Fri: 7am - 6pm (PST)

​​Saturday & Sunday: By appointment only



MAY 2022

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April was a challenging month for investors as losses in mega-cap technology companies and high-valuation stocks spilled over to the broader market.

The Dow Jones Industrial Average lost 4.91 percent while the Standard & Poor’s 500 Index dropped 8.80 percent. The Nasdaq Composite fell 13.26 percent.1

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US Markets

April was a challenging month for investors as losses in mega-cap technology companies and high-valuation stocks spilled over to the broader market.

The Dow Jones Industrial Average lost 4.91 percent while the Standard & Poor’s 500 Index dropped 8.80 percent. The Nasdaq Composite fell 13.26 percent.1

Challenging Month

Stocks struggled all month as investors grew increasingly skittish over a stream of hawkish comments by Federal Reserve officials.

Fed Chair Jerome Powell unnerved investors when he suggested that it may be appropriate to consider front-end loading rate hikes. A few weeks earlier, Fed governor Lael Brainard, considered one of the Fed’s more dovish members, implied that the Fed could take a more aggressive monetary tightening approach.

Fed Watching Inflation

Inflation continued to be an overhang on the market. March’s Consumer Price Index (CPI) was 8.5 percent year-over-year, the fastest pace since December 1981, while the Producer Price Index reflected continuing price pressures in the pipeline, picked up 11.2 percent from a year ago—a new all-time high.2

The combination of a tightening monetary policy and hot inflation drove bond yields higher, with the 10-year Treasury Note yield moving from 2.32 percent at March-end to 2.89 percent by the close of April.3

Upbeat Earnings

The first-quarter earnings season got off to a mostly positive start. Of the 55 percent of the S&P 500 companies reporting earnings so far, 80 percent have beaten Wall Street analysts’ earnings estimates. Companies appear to be navigating accelerating inflation, shaky consumer confidence, higher rates, and supply chain challenges.4

Markets closed out April with a volatile week, reflecting the general investor unease that weighed on markets all month.

Sector Scorecard

Only one sector managed to post a gain: Consumer Staples (+2.31 percent). The remaining sectors moved lower, with losses in Energy (-1.69 percent), Real Estate (-3.56 percent), Utilities (-4.30 percent). Communications Services (-14.13 percent), Consumer Discretionary (-11.96 percent), Financials (-9.94 percent), Health Care (-4.89 percent), Industrials (-7.61 percent), Materials (-3.54 percent), and Technology (-11.02 percent).5

What Investors May Be Talking About in May

In May, investors will be adjusting to the most recent Fed decision about short-term rates and looking for clues about what to expect at the next few Federal Open Market Committee (FOMC) meetings. The two upcoming meetings will be held in fairly quick succession: June 14–15 and July 26–27.6

While the markets may have already priced in some of the Fed's plans for higher rates, it’s unclear how investors will react when governors provide guidance for the rest of the year.

Discussing the Numbers
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World Markets

Global markets trended lower as China’s lockdowns and the war in Ukraine continued to weigh on investor sentiment.

Major European markets moved lower as investors grappled with an uncertain energy picture. Italy lost 3.07 percent, Germany dropped 2.2 percent, and France fell 1.89 percent.7

Stocks in the Pacific Rim markets were under pressure. China’s Hang Seng Index lost 4.13 percent, Korea’s KOSPI Index slipped 2.27 percent, and Australia’s ASX 200 lost 0.86 percent.8


Gross Domestic Product (GDP)

The economy shrank at an annualized rate of 1.4 percent in the first quarter. The decline in GDP growth was largely attributable to a widening trade deficit and a slowing rate of inventory build-up by businesses.9


The unemployment rate dipped to 3.6 percent as employers added 431,000 jobs in March, while January and February estimates were revised higher. This marks the eleventh consecutive month that payrolls have increased by more than 400,000. Wage growth (+5.1 percent in February), while strong, remains below the rate of inflation.10

Retail Sales

Retail sales rose 0.5 percent in March. Much of that gain was attributable to an 8.9 percent jump in sales at gas stations, a reflection of rising gasoline prices.11

Industrial Production

Industrial production expanded by 0.9 percent, as factory capacity utilization rose to 78.8 percent, the highest since 2007.12


Housing starts rose 0.3 percent. Economists had expected a decline for the month. The increase was driven by a jump in multifamily homes, as starts of single family homes tumbled.13

Sales of existing homes fell 2.7 percent in March amid higher mortgage rates and home prices. The median price of an existing home sold last month was $375,300, which represents a 15 percent increase from March 2021 and the highest price ever recorded.14

New home sales slowed in March, falling 8.6 percent from February and 12.6 percent from March 2021.15

Consumer Price Index (CPI)

Consumer inflation hit a 40-year high, climbing 8.5 percent year-over-year. Core inflation (excludes the more volatile energy and food prices) rose 6.5 percent over last year, the steepest increase since August 1982.16

Durable Goods Orders

Durable goods orders increased 0.8 percent, in line with expectations. Excluding the defense sector, durable goods orders rose by 1.2 percent.17

The Fed

On April 6th, the minutes from March’s FOMC meeting were released. These pointed to a growing consensus for one or more future rate hikes of 50 basis points and a general agreement on a framework for reducing the Fed’s balance sheet by $95 billion per month.

The balance sheet reduction is likely to begin in May and be phased in over three months.18

During the FOMC meeting, the participants concluded, "Ukraine was perceived as adding to the uncertainty around the outlook for economic activity and inflation, as the conflict carried the risk of further exacerbating supply chain disruptions and of putting additional upward pressure on inflation by boosting the prices for energy, food, and other key commodities."19

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"Surround yourself only with people who are going to take you higher".

Oprah Winfrey, entrepreneur and philanthropist