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NEWSLETTERTHE OFFICIALJANUARY + FEBRUARY 2024A look into the successful 8thAnnual Harvest of Thanks Eventand the Impact YOU made inside!

TABLE OF CONTENTSContact Us03See a recap of our 8th Annual Harvest of Thanks Event and the impact you made!Coffee Talk RSVPFrom the Desk of Beezer04A look ahead into our January 17th Coffee Talk on Conquering Travel Goals in 2024!Resources and important information brought to you by the Fullerton pup.0607Harvest of Thanks RecapUpcoming EventsFind out what exciting events are taking place at Fullerton in the new year.0812Launching: FFP LiveLaunching Fullerton Financial Planning Live: A Webinar, Podcast & LIVE STREAM Series StartingFebruary 13th, 2024!Read our latest blog post about tinvestment sectors to keep your eye on throughout this year.We'd love to hear from you! Learn how to contact Fullerton Financial and stay in touch.11SE E WHAT ' S INS I DEBlog: Investment Sectors to Watch in 2024

30172486216166111523101917211219182024 UPCOMING EVENTSFIN D OUT W HAT ' S GO I N G O N AT F U LLE R T ONFor Questions or to Register email:clientevents@fullertonfp.comOr call our office and ask to speak with Maggie Cady. All event dates are subject to change. 1141825121926651320277142128811522299216231033111522299162332101724411182551219261320277142871421288152229219162330 31310172441118255121926132027JanuaryMo Tu We Th Fr Sa SuFebruaryMo Tu We Th Fr Sa SuMarchMo Tu We Th Fr Sa Su10317243111182554121926613202771421288115222992233071421288152229219162330310172441118255121926132027512192661320277142128181522292916233031017243141825OctoberMo Tu We Th Fr Sa SuNovemberMo Tu We Th Fr Sa SuDecemberMo Tu We Th Fr Sa Su91623301017243142 3111182551219266132027714212882229114182512192665132027714212881152229921630317246132027714212818152229291623303101724411182551226AprilMo Tu We Th Fr Sa SuMayMo Tu We Th Fr Sa SuJuneMo Tu We Th Fr Sa Su114182512192665132027714212881152229921623301032431811522299162330321017243141118255121926613202771428526613202771421281815222929162330310172441125Mo Tu We Th Fr Sa SuAugustMo Tu We Th Fr Sa SuSeptemberMo Tu We Th Fr Sa SuJuly: Coffee Talks : Mix & Mingle : Retirement Party: Ladies NightOut: Shred IT : BINGO: Harvest ofThanks

The spirit of giving was evident in the generousdonations received during the event. A remarkable786 toys were contributed for children thisChristmas, benefiting the student incentive room atHarold W. Smith School. Additionally, over 70 bikeswere donated, promising joy and excitement forchildren across the valley. The 8th Annual Harvest of Thanks event was atremendous success, bringing together a communityof generosity and gratitude. A total of 659 clientsand friends joined the festivities, creating a warmand vibrant atmosphere. As usual the event featured an impressive display ofpies and calendars, with five food trucks offeringdelicious treats to the attendees. The sweet aroma ofyummy treats, adding to the festive spirit of theoccasion. Alongside the tasty pies, eight cute farmanimals delighted both children and adults alike.HARVEST OF THANKS RECAPLOO K I NG B A CK A T TH E EVE N TA COMMUNITY OF GENEROSITY & GRATITUDEAT A GLANCE659 Participants70 Bikes Donated786 Toys Contributed$13,000 Cash DonationsReceived During the Event$30,000 Total Donations

The financial contributions were equally impressive, with over $13,000 in cashdonations received during the event. When combined with the value of other donations,the total donation amount surpassed an incredible $30,000. This substantial supportwill undoubtedly have a meaningful and lasting effect on the local community,providing resources and assistance where it is needed most. The 8th Annual Harvest of Thanks event was aresounding success because of YOU!! Itshowcased the power of community, compassion,and collective goodwill. The event not onlybrought joy to those in attendance but also left alasting positive impact on the community,reinforcing the spirit of gratitude and generosityduring the holiday season. If you are interested ingetting involved inadditional communityservice opportunities, emailkristino@fullertonfp.com, we would love to servealongside of you!! HARVEST OF THANKS RECAPLOO K I NG B A CK A T TH E EVE N T

RSVP FOR THE COFFEE TALKA L O O K A T THE J ANU A R Y 1 7 EVE N TTIPS TO CONQUERING TRAVEL GOALS IN 2024!Hello Travel Enthusiasts, Are you ready to turn your travel dreams into reality in 2024? Look no further! Announcing our first Coffee Talkin 2024, “Tips to Conquering Travel Goals in 2024!” Our mission is simple - to provide you with tips from a localtravel agent to get a personalized and seamless travel experiences, one cup of coffee at a time. Save the Date: Coffee Talk SessionDon't miss out on this chance to sip coffee and plan your next adventure! Let's make 2024 a year ofunforgettable travel experiences. Cheers to wanderlust and new beginnings! Date: January 17, 2024 | Time: 10 am | Location: Peoria Office Why do you need a travel agent?Embarking on a journey is more than just booking flights and accommodation. It's about craftingmemories and unlocking unique adventures.WHAT WILL BE COVERED:The Booking Process: Online vs. Travel AgentIn the digital age, online booking sites offer convenience, but nothing beats the expertise andpersonalized touch of a travel agent. Discover the ease of online platforms and the added value ofhaving a dedicated travel expert by your side. Changes in Travel Post-PandemicThe world of travel has evolved. Join us for an insightful discussion on the changes in travel since thepandemic. From safety protocols to emerging travel trends, come get informed and prepared for yourupcoming journeys in the new normal.

Dear Valued Clients, Woof and Happy New Year! I hope this letter finds you in good health and high spirits. As the resident officedog here at Fullerton Financial, I couldn't wait to bark up the news about the exciting things we have in storefor you in 2024! First and foremost, on behalf of the entire team, I want to extend a heartfelt thank you for your continued trustand loyalty. Your support makes every tail wag around here, and we're pawsitively thrilled to have you as apart of our pack. With the dawn of a new year, it's the perfect time to set new goals and chase after exciting opportunities. Justlike me chasing my tail, our team is geared up and ready to help you achieve financial success in 2024.Whether you're saving for a dream vacation, planning for retirement, or investing in your future, we've got theexpertise and dedication to guide you every step of the way. To ensure you stay in the loop about all the exciting events and updates happening at Fullerton Financial, wekindly request you to take a moment to review and update your information in our system. This way, you won'tmiss out on any important announcements, exclusive offers, or the occasional treat that might come your way. Updating your information is as easy as a belly rub – simply contact the marketing team atinfo@fullertonfp.com and we will update all your information. As we embark on this new year together, we're committed tomaking it a memorable one for you. Keep an eye out for upcomingcoffee talk, webinars, a NEW FULLERTON FINANCIAL PODCAST,and other events designed to enhance your financial knowledgeand bring our community closer together. Once again, thank you for choosing Fullerton Financial as yourfinancial partner. We're wagging our tails with excitement for theyear ahead, and we look forward to achieving great thingstogether. Here's to a prosperous and joy-filled 2024! Paws and Regards, Beezer The Fullerton Financial Office Dog FROM THE DESK OF BEEZERRES O U RCE S + I M P ORT A N T I N F OHAS PAWSITIVELY EXCITING NEWS!

Which sectors are best for your investment dollars in 2024 will be highly dependent on who you ask and howthe year progresses. If you have questions about how to optimize and diversify your portfolio in the upcomingyear, it’s likely in your best interest to speak with experienced investment managers and financial advisors. There's continued interest in technology, particularly in the realm of generative AI. This sector includescompanies developing and utilizing advanced AI technologies. The focus may shift from big tech companies tothose specializing in growth sectors like semiconductors and hardware, as well as small and mid-capcompanies that offer AI-related technologies at attractive valuations .Many companies may also be forced to invest in improving things like cybersecurity and digital infrastructure tocounteract greater bandwidth demand and the increasing capabilities of bad actors. Many advisors believe healthcare remains a strong candidate for investment, especially companies thatprovide essential services and equipment. Funding in the healthcare space is expected to return, particularlywhen it comes to medical equipment and analytical tools. There's also growing interest in companies involvedin AI-driven healthcare and medical tech advancements, as well as novel treatments for diseases likeAlzheimer's .w w w . f u l l e r t o n f p . c o mF u l l e r t o n F i n a n c i a l P l a n n i n gINVESTMENT SECTORS TO WATCH IN 2024NEW BLOGIf you have questions about how to optimize and diversify yourportfolio in the upcoming year, it’s likely in your best interest tospeak with experienced investment managers & financial advisors.TECHNOLOGY AND AIHEALTHCARE

The real estate sector could benefit from an end to the Federal Reserve's hiking cycle or a decline in rates in2024. This sector might see increased demand for rental housing, making companies involved in home leasingand apartment investments attractive .Companies in the basic materials sector, which produce essential components used across various industries,could see growth as they come out of a de-stocking phase. This sector includes firms specializing in chemicals,metals and other fundamental materials .Traditional players in the semiconductor space, particularly those involved in memory and personal computing,are expected to see opportunities. Companies that produce industrial-type semiconductors could becomeleaders if 2024 leads to inventory corrections .If the U.S. avoids a recession and achieves a soft landing, cyclical sectors like materials, industrials andconsumer discretionary could lead. Conversely, if a recession occurs, defensive sectors like healthcare, utilitiesand consumer staples might be more favorable . Investors should be cautious when making assumptions whenthere are still many unknowns about the upcoming year. Depending on how 2024 progresses, there could potentially be growth in the service sector. This could includeindustries like entertainment, hospitality and leisure, where consumer spending can significantly impactcompany performance.Companies involved in the construction, engineering and maintenance of infrastructure projects could benefitfrom large investments in infrastructure in the United States and globally. This sector covers a range of activitiesfrom transportation infrastructure to urban development.You may have seen the term “cardboard box recession” occasionally thrown around in 2023, as well as worrieson how it may have been a forbearer of reduced consumer purchases (things typically shipped in cardboardboxes). Potential improvements in cardboard boxes may hint toward strengthening manufacturing companies in2024, according to some analysts. As with all sectors, growth is never guaranteed, and it will be necessary towatch how the next year unfolds for manufacturing.REAL ESTATEBASIC MATERIALSSEMICONDUCTORSCYCLICAL SECTORSCONSUMER SERVICES AND HOSPITALITY INFRASTRUCTURE DEVELOPMENTMANUFACTURING RECOVERY

PROVIDING GUIDANCE FOR RETIREMENTSAVERS AND INVESTORS IN PHOENIXWhether you’re a retiree, nearing retirement or busy with everyday life, closely following the health and performance of sectors andmaking quick, informed decisions might not be the way you prefer to spend your time. Making big investment decisions can have asignificant impact on your future, and it’s often beneficial for investors to have an informed and knowledgeable professional in theircorner for assistance and guidance. The team at Fullerton Financial Planning is committed to helping all types of investors navigate the uncertainties of 2024.Don’t hesitate to call us at (623) 974-0300 to speak with an investment manager or financial advisor today. The best markets for your portfolio may change as 2024 progressesand economic conditions change. There are a variety ofmacroeconomic factors that influence the performance of differentsectors, including things like consumer spending, inflation and interestrates. While Fed announcements and decisions can influence thesefactors, only time will tell what is going to happen.For instance, technology and consumer discretionary sectors mightthrive if the economy continues to grow, while more defensive sectorslike healthcare and utilities could gain favor in a slowing economy. It'salso crucial to consider emerging trends, such as advancements inartificial intelligence or shifts in energy sources, which could impactspecific industries.Investors who manage their own portfolios will need to stay informedabout these trends and consider how different sectors might respondto ongoing economic changes. This kind of sector analysis can be avaluable tool for making informed investment decisions anddiversifying portfolios.ECONOMIC PERFORMANCE MAY SIGNIFICANTLY INFLUENCEYOUR PREFERABLE COURSE OF ACTION It's crucial toconsider emergingtrends, such asadvancements inartificial intelligenceor shifts in energysources, which couldimpact specificindustries.

LAUNCHING FFP LIVEEXC I T ING N EWS‘Fullerton Financial Planning LIVE’: A Webinar, Podcast, & LIVE STREAMseries beginning on February 13th!Get ready to revolutionize your financial journey! We are thrilled to announce the launch of the FullertonFinancial Planning LIVE on February 13th. Join us as we delve into the world of finance, tackling a wide array of topics including financial planningstrategies, market insights, current events, and addressing your burning questions. Our engaging andknowledgeable hosts are here to guide you through the complexities of the financial landscape, making it easyfor you to navigate and make informed decisions. We believe in the power of real-time interaction. Our live format allows you to participate, ask questions, andengage with financial experts and industry leaders. Stay up-to-date with the latest trends, market paceconcerns, and gain valuable insights that can shape your financial future.Mark your calendar for the grand launch of the Fullerton Financial Planning LIVE webinar. Whether you're aseasoned investor or just starting your financial journey, this webinar is designed for everyone seekingfinancial wisdom in an accessible and enjoyable format.To celebrate our launch, we will have exclusive giveaways for our loyal listeners. Don't miss your chance towin exciting prizes that will help you on your path to financial success. Subscribe now to the LIVESTREAM Fullerton Financial Planning Podcast on your favorite podcast platform. Joinus live on February 13th for an immersive experience that goes beyond the traditional format. Prepare for an enriching journey into the world of finance with Fullerton Financial Planning LIVE. Yourfinancial future deserves the best, and we're here to provide it. See you on February 13th! Subscribe and Follow Us: www.fullertonfp.com/events/fullerton-financial-planning-liveWhat to ExpectWhy LIVESTREAM?Save the Date: February 13th, 2024Exclusive GiveawaysHow to Tune In

Financial Literacyin RetirementGET YOUR COPY TODAY!Let's Get Social!F A C E B OO Kfacebook.com/fullertonfinancialplanningT W I T T ERtwitter.com/fullertonfpI N S T A GR AMinstagram.com/fullertonfinancialplanningY O U T U BEyoutube.comSearch: Fullerton FinancialPlanningL I N K E DI Nlinkedin.com/company/fullerton-financial-planningAs Seen & Heard OnWatch us weekly on Saturdays on 12News at4:30am, and on Sundays on CBS Channel 5 orKUTP FOX 10 at 09:30am.Stream the Fullerton Financial Hour podcaston both Apple Podcast and Spotify.Watch us nightly on NBC Channel 12 News.STAY INVOLVED WITH FFPWE W A NT T O CO N N ECT W ITH Y OU Fullerton Financial Planning is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply anylevel of skill or training. For more information please visit: https://adviserinfo.sec.gov. This presentation has been provided for informational purposes only and is notintended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed may be suitablefor everyone, it depends on each person’s specific investment objectives and financial situation. Information obtained from third-party sources is believed to bereliable though its accuracy is not guaranteed. Opinions expressed in this commentary may reflect subjective judgments of the author based on conditions at thetime of publication and are subject to change without notice. Past performance is not indicative of future results. Contact UsCorporate Phone: (623) 974-0300 Tempe Phone: (480) 912-4500Fax: (623) 974-0330 Email: Info@fullertonfp.com14155 N. 83rd Ave. Suite 144 | Peoria, AZ 85381600 E. Rio Salado Pkwy. Suite 102 | Tempe, AZ 85281Corporate Office:Tempe Office: