November 2025 Financial Bullet Points

This monthly communication, “Financial Bullet Points,” will quickly and easily cover the main financial issues we see affecting the markets without being bogged down with a lot of details.

Written by Bob Barber, Matthew Barrovecchio, and Don VandeVanter
Prepared on October 22nd, 2025

The Bullet Points for November are:

1. 1. New Client Portal: Starting this month, the legacy client portal that we used for years, eMoney, has been replaced with a new platform called Right Capital. Right Capital is becoming a ‘gold standard’ in the financial planning industry, and the feedback has been extremely positive thus far from clients who have begun using it. All clients received an email over the summer to register for access to Right Capital, but we are here if you need assistance.
   2. RMD Deadline Approaching: Clayton and Mariah have reached out to all clients who have a remaining Required Minimum Distribution to satisfy. If you have not done so already, please reply to inform them of your plans. We strongly prefer to complete all RMDs by early December to meet the year-end deadline.
   3. Tariffs in Supreme Court: The Supreme Court will begin hearing arguments on President Trump’s reciprocal tariffs on November 5. While this continues to be a focal point of the market, it is very likely that a ruling is not announced for several weeks or even months. Traditionally, the Supreme Court communicates decisions on the most complex cases right before their summer recess in April or May. In the meantime, inflation risks remain, as many companies pass along the tariff costs to consumers.
   4. Budgeting for Christmas: Remember that Jesus is the reason for the season, and do not give in to the idols of mammon and materialism that are so prevalent in American culture. According to LendingTree, 36% of Americans took on debt with Christmas shopping last year. Early planning and budgeting will set you up to avoid the debt trap and be the best steward of God’s provision during this time of year.
   5. Government Shut-Down: The US Government shutdown on October 1, and as of this writing, has not yet reopened. As Congress attempts to come to an agreement, the stock market is without some economic data that it is used to having in order to make decisions. During times of uncertainty and volatility, it is important to stick to your objective long-term financial plan.
      
   6. Continuing Education and Scriptures. This month’s programs for Christian Financial Perspectives are listed below along with our Scriptures for the month:
      • Ep 234 – Three Money Questions Every Christian Needs to Answer – 11/11/2025
      • Ep 235 – The Four Uses of Money – 11/25/2025
      • Psalm 37:11 – “But the meek will inherit the land and enjoy great peace”

If you would like further explanation of any of the bullet points mentioned, please call or text (830) 609-6986 during business hours or email us by clicking here.

Bob Barber, CWS®, CKA®
Senior Wealth Advisor & President

Matthew Barrovecchio, CFP®, CKA®
Senior Wealth Advisor

Don VandeVanter, CPA
Wealth Advisor

Christian Financial Advisors