What is one of the simplest ways to protect your net worth?

An umbrella insurance policy is one of the simplest and most cost-effective ways to protect your net worth. It sits on top of your existing home and auto policies and provides an extra layer of liability coverage—typically in increments of $1–5 million. If you’re ever involved in a major accident, lawsuit, or claim that exceeds the limits of your underlying policies, an umbrella policy steps in to cover the difference. This prevents a large settlement or legal judgment from falling back on your personal assets.

For many families, the benefits are significant. Umbrella coverage is relatively inexpensive, often costing just a few hundred dollars per year for $1 million of protection, and it helps safeguard savings, investments, future earnings, and overall financial stability. As your wealth grows, so does your exposure, which is why we often recommend umbrella policies as part of a comprehensive risk-management plan. It’s a simple way to add meaningful protection and peace of mind.

Market Review & Outlook

Markets were a bit softer in November, with the S&P 500 finishing the month slightly down as investors took some profits and digested mixed economic data. Some sectors, especially value and more defensive areas, held up better, while growth stocks saw a little more pressure. Even so, many companies outside of the big tech names reported steady results, and consumer spending remained fairly solid heading into the holiday season.

As we look toward year-end, we’re keeping an eye on the usual drivers — inflation trends, updated Fed messaging, and how consumers finish out the year. A few bumps are normal, and short-term pullbacks like November’s don’t change the long-term outlook. We continue to stay disciplined, focusing on diversified portfolios and making adjustments only when the data supports it. Our goal is always to help you stay on track and navigate markets.

*SP 500 index can't be directly invested in

Goodbye, Penny: It’s Been a Cent-Sational Run

After 232 years of hiding under couch cushions and granting wishes in fountains, the penny is officially taking its final bow. On November 12, U.S. Treasurer Brandon Beach visited the Philadelphia Mint to strike the last five circulating cents ever made—each stamped with a tiny omega symbol under LIBERTY to mark the end of an era.

Thank you for choosing Capstone as your financial advisor. Your confidence fuels our commitment to deliver exceptional service, and we look forward to a successful 2026 together.  

Happy Holidays!

Capstone built our reputation on friendly service, impeccable ethics, and respect for every client. Our clients’ needs drive our relationship, and the focus is always on you. We strive to be highly responsive to your requests and are skilled at creating solutions customized to your goals, values, and situation.  Reach out anytime with questions. We're happy to help!

Capstone Investment Financial Group, LLC

Colorado Springs/Denver

719-477-9883

info@capstoneinvest.com