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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



JUNE 2022

Conference Room


Stocks were mixed in May as a powerful rally in the final week of trading helped recoup losses from earlier in the month.

The Dow Jones Industrial Average picked up 0.04 percent, while the Standard & Poor’s 500 Index added 0.01 percent. The Nasdaq Composite fell 2.05 percent.1

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US Markets

Stocks were mixed in May as a powerful rally in the final week of trading helped recoup losses from earlier in the month.

The Dow Jones Industrial Average picked up 0.04 percent, while the Standard & Poor’s 500 Index added 0.01 percent. The Nasdaq Composite fell 2.05 percent.1

It's All About The Fed

The month began on a solid note as stocks rallied following the Fed’s announcement of a 50-basis-point hike in the federal funds rate. The market was relieved to hear comments from Fed Chair Jerome Powell, who said that a 75-basis-point increase was not actively being considered.

This rally lost momentum as investors reassessed the Fed’s commitment to a tighter monetary policy and digested some economic news that fanned inflation fears.

Focus Moving From Inflation

Over the course of the month, inflation concerns diminished slightly, relative to economic growth worries. Consumer price inflation data showed prices rising at a pace near 40-year highs, but markets responded well, perhaps because the pace of price increases was down from the previous month.2

Inflation fears were further soothed later in the month when the Personal Consumption Expenditures Price Index, the Fed’s preferred measure of inflation, rose at a slower rate than markets had expected.3

Mixed Signals On Economic Growth

Economic growth concerns moved to the forefront due, in part, to weak economic data out of China. Disappointing earnings from major U.S. retailers also heightened fears about domestic growth. But upbeat news from several mid-size and discount retailers suggested the American consumer remained healthy.

Fed Spark Rally

The May 25 release of the Federal Open Market Committee (FOMC) meeting minutes ignited the sharp rally in stock prices.

To investors, the meeting minutes suggested that the Fed was unlikely to pursue a more aggressive tightening stance. Investor sentiment was also lifted by comments from Fed officials who indicated that rate hikes could take a pause after the expected June and July hikes.

Sector Scorecard

Industry sectors that managed to post gains in May included Communications Services (+1.9 percent), Energy (+16.03 percent), Financials (+2.78 percent), Health Care (+1.49 percent), Materials (+1.18 percent), and Utilities (+4.31 percent). The remaining sectors moved lower, with losses in Consumer Discretionary (-5.12 percent), Consumer Staples (-4.08 percent), Industrials (-0.46 percent), Real Estate (-5.11 percent), and Technology (-0.69 percent).4

What Investors May Be Talking About in June

The U.S. dollar has been strengthening against other currencies all year. The U.S. Dollar Currency Index, which tracks the dollar’s value against a basket of major international currencies, has risen about 8 percent since the start of the year.5

The value of the dollar is closely watched because roughly 40 percent of the aggregate earnings of S&P 500 companies come from overseas sales.6

A strong dollar helps U.S. shoppers buy imported products at lower prices, but it also makes U.S. exports more expensive to overseas customers, which may show up in second-half company results.

Discussing the Numbers
Data on a Touch Pad


World Markets

World markets trended higher as China began to emerge from its COVID-19 lockdown. The MSCI EAFE Index gained 1.45 percent in May.7

Major European markets mainly moved higher, with increases in Spain (+3.11 percent), Germany (+2.06 percent), and the U.K. (+0.84 percent). France’s CAC 40 lost 0.99 percent.8

Stocks in the Pacific Rim markets were mixed. Australia lost 3.01 percent while Japan picked up 1.61 percent.9


Gross Domestic Product (GDP)

The second estimate of the first quarter’s GDP growth was revised lower, from an annualized -1.4 percent to -1.5 percent.10


Employers added 428,000 jobs in April, the 12th consecutive month of 400,000-plus job growth. The unemployment rate was unchanged at 3.6%. Average hourly earnings rose 5.5% year-over-year, although that remains below inflation over the same period.11

Retail Sales

Consumers continued to spend in April, with retail sales climbing 0.9 percent. Since retail sales are not adjusted for inflation, it’s difficult to say how much of this increase is attributable to higher prices versus higher demand.12

Industrial Production

Industrial output rose 1.1 percent in April—more than double Wall Street estimates.13


Housing starts slipped 0.2 percent, although they were higher year-over-year by 14.6 percent.14

Sales of existing homes fell to their slowest pace since the start of the COVID-19 pandemic, declining 5.9 percent from a year earlier (April 2021). Tight inventory, rising prices, and higher mortgage rates weighed on prospective buyers.15

New home sales slipped 16.6 percent from March 2022 levels and dropped 26.9 percent from April 2021 levels. There was a nine-month supply of new home inventory in March 2022. A six-month supply is considered balanced between buyer and seller.16

Consumer Price Index (CPI)

Prices of consumer goods rose 8.3 percent from a year ago, coming in slightly below last month’s pace but above consensus estimates. Excluding food and energy prices, core inflation jumped 6.2 percent.17

Durable Goods Orders

Orders for long-lasting goods rose 0.4 percent, led by non-defense aircraft and parts orders.18

The Fed

At its May FOMC meeting, the Federal Reserve raised interest rates by half a percentage point. The Fed governors also announced that they would begin to scale back the Fed’s $9 trillion balance sheet by $95 billion per month.

In a post-meeting press conference, Fed Chair Jerome Powell also said that the FOMC was not actively considering a 75-basis-point hike, although there may be multiple 50-basis-point hikes in the coming months.19

Business Meeting


"There will come a time when you believe everything is finished; that will be the beginning."

Louis L’Amour, American novelist and short story writer