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

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Stocks rallied in December as early data suggested that the health impact of the Omicron variant was less severe than initially feared.

The Dow Jones Industrial Average picked up 5.38 percent, while the Standard & Poor’s 500 Index gained 4.36 percent. The Nasdaq Composite lagged, climbing 0.69 percent.1

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US Markets

Stocks rallied in December as early data suggested that the health impact of the Omicron variant was less severe than initially feared.

The Dow Jones Industrial Average picked up 5.38 percent, while the Standard & Poor’s 500 Index gained 4.36 percent. The Nasdaq Composite lagged, climbing 0.69 percent.1

Omicron Worries

Stocks got off to a volatile start in December as investors worried about Omicron’s transmissibility and severity. Markets also were rattled by Fed Chair Jerome Powell’s testimony to Congress that the economy was strong enough to allow the Fed to move up its bond purchase taper schedule.

While investors were expecting the Fed’s news, Powell’s testimony generated added uncertainty over just how sharp and rapid that pivot would be.

Fed Clarity

At its mid-December meeting, the Federal Open Market Committee said that it would quicken its tapering of monthly bond purchases from $15 billion a month to $30 billion a month. This acceleration in tapering meant that asset purchases by the Fed would likely end by March 2022.2

The Fed further signaled that it may consider up to three rate hikes, the first of which would likely occur sometime after bond tapering was completed.2

Santa Rally

With the year-end fast approaching and investor sentiment on Omicron’s economic impact becoming less fearful, investor attention turned to whether the market would enjoy a "Santa Claus Rally."

The Santa Claus Rally is a seasonal pattern in which the market generally rises in the period following Christmas through the first two trading sessions of the new year. Since 1950, the S&P 500 has gained an average of 1.3 percent during this period and generated positive returns about 67 percent of the time since 1993.3

Cementing a Solid Year

This year, stocks rallied following the holiday but lost some momentum in the final two trading days. Nevertheless, stocks ended the year near all-time highs, cementing a solid year of gains for investors.

Sector Scorecard

All industry sectors posted positive performances last month with gains in Communications Services (+4.51 percent), Consumer Discretionary (+0.24 percent), Consumer Staples (+8.96 percent), Energy (+1.41 percent), Financials (+3.06 percent), Health Care (+9.06 percent), Industrials (+4.55 percent), Materials (+6.57 percent), Real Estate (+9.09 percent), Technology (+3.56 percent), and Utilities (+8.45 percent).

What Investors May Be Talking About in January

In the month ahead, investors are expected to focus on fourth-quarter gross domestic product, scheduled for release on January 28.5

The Federal Reserve Bank of Atlanta, which models estimated GDP growth in real-time, said in late December it expects 7.6 percent growth. A strong GDP would confirm expectations of a rebound from the Delta variant-induced slowdown in the third quarter.5

Earnings Season

Fourth-quarter corporate earnings season will also kick off in January. According to FactSet, a financial data provider, consensus estimates are for a 20.9 percent growth in corporate earnings.6

The extent that earnings disappoint or exceed expectations may drive how markets view current stock price valuation levels.

Discussing the Numbers
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World Markets

Despite higher Omicron infections in Europe and isolated shutdowns in China, the MSCI-EAFE Index advanced 4.99 percent in December.7

Major European markets rebounded sharply from November losses, with gains in France (+6.43 percent), Germany (+5.20 percent), and the U.K. (+4.61 percent).8

Pacific Rim stocks had less impressive gains. Japan’s Nikkei index rose 3.49 percent while Australia’s ASX 200 gained 2.60 percent. China’s Hang Seng index lost 0.33 percent.9


Gross Domestic Product (GDP)

The final reading of GDP growth showed an upward revision to 2.3 percent from its prior estimate of 2.1 percent.10


The employment picture was mixed in November. Nonfarm jobs increased by a disappointing 210,000, but the unemployment rate fell to 4.2 percent as almost 600,000 Americans joined the workforce.11

Retail Sales

Retail purchases rose 0.3 percent, which was below expectations. The slight increase lends credence to the idea that October’s big jump was partly due to Americans buying early in response to possible inventory shortages.12

Industrial Production

Industrial production increased by 0.5 percent, reaching its highest level since January 2019. Manufacturing output was strong, rising 0.7 percent on a solid rebound in the auto sector.13


Housing starts increased 11.8 percent in November, which was above the consensus estimate of 3.0 percent.14

Existing home sales climbed 1.9 percent from October, though they slipped 2.0 percent from November 2020.15

New home sales rose 12.4 percent, reaching a seven-month high. Strong demand lifted the median sales price 18.8 percent from a year ago.16

Consumer Price Index (CPI)

Consumer prices jumped at a rate not seen in nearly 40 years, rising 0.8% from the previous month and 6.8% from a year ago. It is the sixth consecutive month that inflation has exceeded 5%. Core inflation (excluding the more volatile food and energy prices) came in lower but still posted its sharpest jump since 1991.17

Durable Goods Orders

Orders of goods designed to last three years or more rose 2.5 percent, driven by a strong increase in commercial aircraft orders.18

The Fed

After the two-day December meeting of the Federal Open Market Committee (FOMC), the Fed announced that it would be speeding up the pace of reductions in its monthly bond purchase from the $15 billion per month announced in November to $30 billion per month, effectively ending asset purchases by March 2022. It also signaled that there may be as many as three increases in short-term interest rates in 2022.19

"In assessing the appropriate stance of monetary policy, the Committee will continue to monitor the implications of incoming information for the economic outlook," according to the Fed’s prepared statement.

"The Committee would be prepared to adjust the stance of monetary policy as appropriate if risks emerge that could impede the attainment of the Committee’s goals. The Committee’s assessments will take into account a wide range of information, including readings on public health, labor market conditions, inflation pressures and inflation expectations, and financial and international developments."20

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                                                     "It always seems impossible until it’s done."

                                               Nelson Mandela, political leader and philanthropist