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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




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Renewed fears of higher rates and economic weakening, coupled with a tough talk by Fed Chair Jerome Powell and other Fed officials, sent stocks lower in August.

The Dow Jones Industrial Average dropped 4.06 percent whereas the Standard & Poor’s 500 Index fell 4.24 percent. The Nasdaq Composite lost 4.64 percent.1

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US Markets

Renewed fears of higher rates and economic weakening, coupled with a tough talk by Fed Chair Jerome Powell and other Fed officials, sent stocks lower in August.

The Dow Jones Industrial Average dropped 4.06 percent whereas the Standard & Poor’s 500 Index fell 4.24 percent. The Nasdaq Composite lost 4.64 percent.1

A Strong Start

August started off well enough, building on the summer rally over the course of the month’s first two weeks. Investor sentiment was lifted by a surprisingly strong employment report that saw the economy add 528,000 jobs in July and later by a better-than-expected Consumer Price Index (CPI) report that saw inflation decelerate slightly.2,3

Earnings Update

A fresh batch of positive earnings surprises provided an additional boost for stocks. Overall, the earnings season turned out to be better than what many investors had expected. With 97 percent of the companies comprising the S&P 500 reporting, 78 percent reported earnings that exceeded Wall Street analysts’ estimates.4

The fuel for the stock market’s rebound since the mid-June low was, in part, the belief that the Fed may ease up on the pace and magnitude of interest rate hikes owing to early signs that inflation may be cooling.

Powell's Hammer

But Fed Chair Powell’s much-anticipated speech at the Jackson Hole Economic Symposium rattled investors. By the time Powell finished his speech on the morning of August 26th, the market was in full-on retreat. Powell’s comments did not include anything investors hadn’t already heard, but the forcefulness with which he communicated the Fed’s commitment to lowering inflation struck many investors as especially hawkish.

The market’s month-to-date gains disappeared following the speech as Powell appeared to end any investor hope of a pivot by the Fed. Stocks added to their losses in the month’s final days as investors confronted a monetary policy landscape that potentially offered little relief from further Fed interest rate hikes.

Sector Scorecard

Most industry sectors ended lower for the month, including Communications Services (-3.53 percent), Consumer Discretionary (-4.50 percent), Consumer Staples (-1.85 percent), Financials (-1.96 percent), Health Care (-5.77 percent), Industrials (-2.83 percent), Materials (-3.48 percent), Real Estate (-5.62 percent), and Technology (-6.21 percent). The Energy (+2.65 percent) and Utilities sectors (+0.53 percent) registered a monthly gain.5

What Investors May Be Talking About in September

In the month ahead, all eyes will be on the Fed again when it meets in late September. After two consecutive 75 basis point hikes in June and July, the Federal Open Market Committee (FOMC) will once again be meeting to consider what’s next for short-term rates.

The outcome of this meeting, scheduled for September 20–21, appears more certain following Fed Chair Powell’s Jackson Hole speech. But the Fed has indicated that any potential rate hike will depend upon the economic data leading up to the meeting.

Some see the second consecutive quarter of GDP contraction and declining energy, metals, and food input costs influencing the Fed’s decision. Others believe that comments in August by Powell and other Fed officials that the inflation fight is not over may have thrown cold water on that hope.

Discussing the Numbers
Data on a Touch Pad


World Markets

Weakening economies in Western Europe and China rippled through overseas markets, with the MSCI-EAFE Index falling 4.61 percent last month.6

Losses were posted across European markets, including France (-5.02 percent), Germany (-4.81 percent), and the U.K. (-1.88 percent).7

Pacific Rim markets fared better, but still ended the month mixed. Hong Kong lost 1.0 percent while Australia picked up 0.60 percent.8


Gross Domestic Product (GDP)

The economy shrank at an annualized rate of 0.6 percent in the second quarter, an improvement from the initial estimate of a 0.9 percent contraction.9


Nonfarm payrolls increased by 528,000 in July, which was double the consensus estimate. The unemployment rate dipped to 3.5 percent, while average worker wages rose 5.2 percent from a year ago.10

Retail Sales

Retail sales were flat month-over-month, but when excluding gasoline and auto sales, consumer spending rose 0.7 percent.11

Industrial Production

Industrial output increased 0.6 percent—double Wall Street estimates—as oil and gas drilling reached a seven-year high.12


Housing starts declined 9.6 percent in July, as higher costs and mortgage rates pinched new construction activity.13

Existing home sales fell 5.9 percent from the sales in June, as higher interest rates weighed on buyer affordability. It was the sixth consecutive month that existing home sales have declined. Despite the softness, the median sales price rose 10.8 percent from 12 months ago.14

New home sales dropped to their lowest level since 2016, falling 12.6 percent in July. Compared with those a year ago, sales are down by 29.6 percent.15

Consumer Price Index (CPI)

Consumer prices eased in July but remained near record highs as the CPI rose 8.5 percent year-over-year.16

Durable Goods Orders

Durable goods orders were unchanged from the previous month, though were higher by 1.2 percent when excluding defense orders.17

The Fed

Minutes from July’s Federal Open Market Committee (FOMC) meeting reflected a broad consensus among Fed officials that additional rate hikes were still required to combat elevated inflation, though acknowledging economic weakness may temper the size and pacing of such hikes.18

"Regarding developments abroad, central banks in advanced foreign economies had quickened the pace of policy tightening in order to address above-target inflation," according to the July meeting minutes. "Eight advanced-economy central banks raised their policy rates over the period."19

Business Meeting


                                            "There is no writing that is writing without teachers."

                   David Bartholomae, American scholar and professor of composition studies