A noticeable shift occurred in the markets this quarter. After a strong run over the past two years, US stocks hit a roadblock while diversification outside of US stocks has rewarded disciplined investors.

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The final quarter of 2024 closed on an upbeat note, with stocks finishing the year on solid footing. The S&P 500 posted an impressive 25% gain for the year, marking its second consecutive year of 20%-plus returns. Notably, this represents the fourth time in six years that the index has delivered returns of 20% or better.