September 20, 2025: Rates, Refinancing, and Raising Capital

This week’s market spotlight is on the Federal Reserve, as they cut the Fed Funds rate by 0.25 percentage points—and, perhaps more importantly, signaled what could be ahead for future rate cuts. We also dig into the latest Retail Sales and Consumer Sentiment data.

After the break, we shift gears to mortgage rates with Shanna Squires from Henssler Mortgage Advisors. She shares insights on how quickly Fed rate changes filter into the mortgage market, what that timing means for homeowners, and when refinancing may be the right move. We’ll also discuss how locking in a lower rate could lead to meaningful long-term savings.

Finally, we tackle a listener question about launching a business. With more than $1 million in investments and $250,000 in cash, but needing $500,000 to get started, what’s the smartest way to fund the venture? We weigh the pros and cons of tapping into cash and investments versus exploring options like a business loan or private equity—all while keeping his overall financial plan, cash flow, retirement, and long-term goals in focus.

Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. 

Henssler Money Talks — September 20, 2025  |  Season 39, Episode 38

Timestamps and Chapters

• 6:31: Reviewing “Up in Smoke”
• 14:03: Fed Rate Cuts, Retail Sales and Consumer Sentiment
• 28:12: Time to Refinance? Looking at Mortgage Rate Movements
• 41:21: Funding in Focus: Pros and Cons of Raising Capital

Follow Henssler:  

• Facebook: https://www.facebook.com/HensslerFinancial/ 
• YouTube:  https://www.youtube.com/c/HensslerFinancial 
• LinkedIn: https://www.linkedin.com/company/henssler-financial/ 
• Instagram: https://www.instagram.com/hensslerfinancial/ 
• TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en 
• X: https://www.x.com/hensslergroup 

 “Henssler Money Talks” is brought to you by Henssler Financial.

Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Chapters

• 6:31 Reviewing “Up in Smoke”
• 14:03 Fed Rate Cuts, Retail Sales and Consumer Sentiment
• 28:12 Time to Refinance? Looking at Mortgage Rate Movements
• 41:21 Funding in Focus: Pros and Cons of Raising Capital