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In this episode of Paramount Wealth Perspectives, Chris Coyle and Chief Investment Officer Scott Tremlett unpack one of the most misunderstood dynamics in today’s market: why Fed rate cuts are not bringing down mortgage rates or long-term yields. They break down the growing disconnect between policy moves and market behavior, and explain why inflation credibility — not Fed action — is driving the long end of the curve.

Chris and Scott explore how markets are digesting the first cut, why investors are recalibrating expectations for growth and earnings, and what a “higher for longer but not restrictive forever” rate environment really means for portfolios. They examine consumer sentiment, inflation psychology, and why dispersion — not broad trends — is becoming the defining feature of this cycle.

The conversation dives into 2026 earnings expectations, the role of AI as a margin driver rather than a hype cycle, and the shift toward business models anchored in pricing power, cash flow durability, and balance sheet strength. They also take a close look at bonds, highlighting why fixed income is relevant again and how investors should think about duration, income, and flexibility in today’s market.

Chris and Scott close by discussing investor behavior in a post–easy money world: what discipline truly means, why this environment rewards preparation over prediction, and how to build portfolios that can thrive even when narratives shift.

If you’re navigating rising yields, persistent inflation, market rotation, or uncertainty around the Fed’s next move, this episode offers a clear, grounded framework for understanding what matters most — and what to ignore.