In the second quarter of 2025, investment markets experienced significant upheaval, yet small-cap stocks demonstrated a notable recovery. Amidst this volatile environment, the Carillon Eagle Small Cap Growth Fund drew attention to Viper Energy, Inc. (VNOM), an entity specializing in mineral and royalty interests within the oil and natural gas sector, primarily in the prolific Permian Basin. Despite experiencing recent declines in its stock value, influenced by broader macroeconomic concerns and shifts in global oil supply, Viper Energy is actively reinforcing its market standing through strategic acquisitions. The company's relationship with its parent, Diamondback, is perceived as a significant advantage, offering unparalleled insights into future growth avenues, a crucial differentiator in the current oil and gas industry landscape.
The second quarter of 2025 proved to be a challenging yet ultimately recuperative period for equity markets. Small-cap stocks, in particular, rebounded strongly, recovering from earlier declines. The Russell 2000® Growth Index significantly outperformed its Value counterpart, recording an 11.96% gain versus 4.96%, respectively. Within this context, Carillon Tower Advisers, through its “Carillon Eagle Small Cap Growth Fund” investor letter, emphasized its continued confidence in Viper Energy, Inc.
Viper Energy, trading under NASDAQ:VNOM, holds and acquires vital mineral and royalty interests in various oil and natural gas properties, with a notable concentration in the Permian Basin. This strategic focus positions the company at the heart of significant energy production. While the company's stock faced downward pressure, seeing a 0.95% drop over the preceding month and a 19.13% decline over the past 52 weeks, closing at $37.37 per share with a market capitalization of $10.783 billion on August 19, 2025, the underlying operational strength remains a key consideration for investors.
The primary headwinds for Viper Energy have been the softening of oil prices, a direct consequence of global macroeconomic anxieties, compounded by geopolitical factors and increased production by OPEC nations. However, Carillon Tower Advisers maintains a positive outlook, citing Viper Energy's aggressive pursuit of accretive acquisitions as a method to bolster its market position. Furthermore, the firm highlights the symbiotic relationship between Viper Energy and its parent company, Diamondback, as a unique advantage. This affiliation is believed to grant Viper Energy a distinct foresight into future growth opportunities, a characteristic that is conspicuously absent across much of the broader oil and gas industry.
Viper Energy's resilience, underscored by its strategic acquisitions and its beneficial relationship with Diamondback, positions it favorably for future expansion. Despite the current fluctuations in commodity prices and the broader economic environment, the company's continuous efforts to consolidate its presence in the mineral space suggest a robust long-term trajectory, distinguishing it within the competitive energy sector.
The landscape of retirement planning is undergoing a significant transformation with the emergence of artificial intelligence tools like ChatGPT. While these advanced systems offer a novel approach to accessing financial information, their capabilities inherently differ from the comprehensive guidance provided by human financial advisors. The core message underscores that AI can serve as a valuable preliminary resource for understanding complex financial concepts. However, for nuanced, personalized strategies that account for individual circumstances, emotional factors, and market dynamics, the irreplaceable role of human expertise remains paramount.
The Dual Role of AI and Human Counsel in Modern Retirement Planning
In the contemporary financial realm, artificial intelligence platforms, specifically ChatGPT, are increasingly being recognized for their capacity to address various retirement-related inquiries. These queries span a wide spectrum, from optimizing Social Security benefits and estimating future healthcare expenses to devising tax-efficient withdrawal strategies from retirement accounts. According to financial specialists, these AI tools can serve as a foundational step in one's journey toward retirement preparedness.
However, a crucial distinction emerges: AI, by its very design, does not possess the capacity for critical thinking or the formulation of novel ideas. As noted by Robert Persichitte, a certified financial planner at Delagify Financial, AI's strength lies in its ability to synthesize and connect existing information, functioning akin to an advanced search engine rather than an independent strategist. This limitation means AI cannot differentiate between sound and questionable financial advice, potentially disseminating outdated or even misleading information.
Despite this, AI proves to be an invaluable educational instrument, enabling individuals to grasp fundamental financial principles essential for retirement. Stephan Shipe, a CFP and founder of Scholar Financial Advising, emphasizes that while ChatGPT excels at explaining complex concepts and presenting various options, it cannot account for unpredictable human behaviors, emotional responses to market fluctuations, or unforeseen life events. This highlights the indispensable role of human advisors who bring emotional intelligence and adaptability to the planning process.
For those leveraging AI for initial research, it is imperative to scrutinize the credibility of the sources cited by the AI. Advanced AI models might offer links to recent publications, allowing users to verify information independently. Ultimately, the most effective approach involves integrating AI-generated insights with the personalized guidance of a human financial advisor. Luke Harder, a certified financial planner with Claro Advisors, attests to clients using ChatGPT to prepare questions or familiarize themselves with key concepts before consultations, a practice he deems highly beneficial.
Nevertheless, a sole reliance on AI for retirement advice presents considerable risks. Harder points out that AI lacks a holistic understanding of an individual's unique financial tapestry, including their specific investment portfolio, tax situation, and personal resilience to market volatility. Furthermore, inputting sensitive financial data into AI systems carries inherent security risks, as such information can be utilized for training purposes or become vulnerable to cyber breaches. A human advisor, conversely, offers the crucial advantage of providing emotional support and strategic counsel during challenging market conditions, guiding clients against impulsive decisions like premature investment liquidation.
A Synergistic Approach to Financial Well-being
This evolving dynamic between cutting-edge artificial intelligence and time-honored human financial guidance offers a compelling vision for future retirement planning. The insights gleaned from AI can certainly streamline the initial research phase, equipping individuals with a broader understanding of various financial strategies and concepts. Yet, the human element remains irreplaceable. The intuitive understanding of personal aspirations, the capacity for empathetic guidance during uncertain economic times, and the ability to craft truly bespoke financial blueprints are attributes unique to human advisors. This collaborative model—where AI empowers and informs, and human expertise refines and directs—promises a more robust and resilient path toward achieving long-term financial security and peace of mind in retirement.