Financial Decisions are Enduring, and MISSTEPS can be COSTLY.

TRUSTWORTHY, PROPER Guidance will not only IMPROVE YOUR RESULTS, it can also Enhance YOUR PEACE of MIND! ¹

Financial Decisions are Enduring, and MISSTEPS can be COSTLY.

TRUSTWORTHY, PROPER Guidance will not only IMPROVE YOUR RESULTS, it can also Enhance YOUR PEACE of MIND! ¹

Free Risk Capacity Analysis

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Truth or Consequences?

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Do you see any discernible pattern in the sequence of market returns² shown below?

8% 33% 38% -15% -29% -44% -9% 57% 4% 44% 32% -35% 28% 3% -7% -10% 16% 28% 21% 38% -6% 4% 2% 20% 30% 21% 13% 1% 50% 25% 8% -10% 45% 13% 1% 27% -10% 21% 16% 14% -9% 29% 14% -11% 0% 16% 17% -18% -27% 39% 27% -4% 7% 23% 33% -4% 21% 22% 5% 32% 16% 2% 18% 29% -6% 35% 10% 11% 0% 37% 21% 31% 24% 25% -11% -11% -21% 32% 12% 6% 15% 6% -37% 29% 18% 1% 16% 35% 12% 0% 14% 21% -5%

Sequence of returns risk is JUST ONE of the many factors that need to be considered for YOUR Financial Plan to SUCCEED!

¹ The Value of Financial Planning Study,  Financial Planning Standards Council
²Annual US stock market (CRSP 1-10 index data), from 1926 to 2018.