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Global Portfolio Strategy | December 2025
</div> </div> </div> </div> </section> </section> </div> <div class="footer-container"> <footer> <section class="o-container c-footer__container"> <div class="o-grid__collapse"> <div class="c-footer__contact"> <div class="contact"> <h4>Contact</h4> <div class="moonlight-contact-information"> <div class="moonlight-address_block"> <p class="moonlight-address1"></p> </div> <a href="mailto:info@ardent-lpl.com" itemprop="email"> info@ardent-lpl.com </a> </div> <div class="c-socialMedia"> </div> </div> </div> <div class="c-footer__quick-links"> <section class="quickLinks"> <h4>Quick Links</h4> <ul><li><a href="https://www.ardent-lpl.com/resource-center/retirement" >Retirement</a></li><li><a href="https://www.ardent-lpl.com/resource-center/investment" >Investment</a></li><li><a href="https://www.ardent-lpl.com/resource-center/estate" >Estate</a></li><li><a href="https://www.ardent-lpl.com/resource-center/insurance" >Insurance</a></li><li><a href="https://www.ardent-lpl.com/resource-center/tax" >Tax</a></li><li><a href="https://www.ardent-lpl.com/resource-center/money" >Money</a></li><li><a href="https://www.ardent-lpl.com/resource-center/lifestyle" >Lifestyle</a></li><li><a href="https://www.ardent-lpl.com/resource-center/articles" >Latest Articles</a></li><li><a href="https://www.ardent-lpl.com/resource-center/videos" >All Videos</a></li><li><a href="https://www.ardent-lpl.com/resource-center/calculators" >All Calculators</a></li></ul> </section> </div> <div class="c-footer__disclosure"> <section class="note"> <div class="shared__BrokerDealerDisclosure"> <p class="FormCRS"> LPL <a target="_blank" href="https://www.lpl.com/content/dam/lpl-www/documents/disclosures/lpl-financial-relationship-summary.pdf">Financial Form CRS</a></p> </div> <p class="boker-check-disclaimer">Check the background of your financial professional on FINRA's <a href="//brokercheck.finra.org/" target="_blank" rel="noopener noreferrer">BrokerCheck</a>.</p> <p class="globalDisclosure">The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.</p> <p class="globalPersonalInformationLink"> We take protecting your data and privacy very seriously. As of January 1, 2020 the <a href="https://oag.ca.gov/privacy/ccpa" target="_blank">California Consumer Privacy Act (CCPA)</a> suggests the following link as an extra measure to safeguard your data: <a href="https://www.ardent-lpl.com/donotsellmypersonalinformation" target="_self">Do not sell my personal information</a>. </p> <p class="globalCopyright">Copyright 2026 FMG Suite.</p> <p class="globalDisclaimer"><p>Check the background of investment professionals associated with this site on FINRA's <a href="https://brokercheck.finra.org/" target="_blank" rel="noopener">BrokerCheck</a>.</p><p><strong>Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member <a href="https://www.finra.org/" target="_blank" rel="noopener">FINRA</a>/<a href="https://www.sipc.org/" target="_blank" rel="noopener">SIPC</a>). </strong>Insurance products are offered through LPL or its licensed affiliates. Ardent Credit Union and Ardent Investment and Retirement Solutions <span style="text-decoration: underline;"><strong>are not</strong></span> registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Ardent Investment and Retirement Solutions and are employees of LPL. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Ardent Credit Union or Ardent Investment and Retirement Solutions. Securities and insurance offered through LPL or its affiliates are:</p><table cellpadding="1" cellspacing="0" border="1"><tbody><tr><th scope="col" style="text-align: left;"><sup><strong>NOT INSURED BY NCUA OR ANY OTHER GOVERNMENT AGENCY</strong></sup></th><th scope="col" style="text-align: left;"><sup><strong>NOT CREDIT UNION GUARANTEED</strong></sup></th><th scope="col" style="text-align: left;"><sup><strong>NOT CREDIT UNION DEPOSITS OR OBLIGATIONS</strong></sup></th><th scope="col" style="text-align: left;"><sup><strong>MAY LOSE VALUE</strong></sup></th></tr></tbody></table><p>Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit <a href="https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html" target="_blank" rel="noopener">https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html</a> for more detailed information. The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. 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