Dear Clients, We Understand…
Dear Clients,
I want to take a moment to talk to you not as a financial planner but as someone who deeply understands what it feels like to watch the markets swing wildly, to see red numbers and bold headlines, and feel that quiet (or often loud), nagging fear start to creep in.
You're not alone.
Whether you've just retired, are nearing retirement, or are still building toward it, market volatility can shake your confidence, and that's completely natural. I see it every day, not just in the numbers but in the emotions, the questions, and the late-night emails.
We hear you and we get it.
When the market drops significantly in a day or over a couple of days, it's not just a statistic, it’s your future, your peace of mind, your travel plans, or your legacy for your family. That’s why we approach moments like these with more than just statistics, charts, and models. We bring empathy, perspective, and a clear understanding of what you're going through. As Carl Richards says, “If you’re worried about the stock market, find someone to give you a hug.”
This is exactly why we build a plan, not just for the good years, but for the stormy ones too.
So, what can you control right now?
When the market feels chaotic, here are a few things that are absolutely within your control:
✅ Your “Why”
Remind yourself why you’re investing in the first place – retirement freedom, time with family, travel, legacy, security. Recentering on your purpose helps put market noise in perspective.
✅ Your Spending
Reviewing your discretionary spending can empower you! Small adjustments (like eating out less or canceling subscriptions, etc.) can make a meaningful difference, and this proactive step can help you feel more grounded.
✅ Your Allocation Strategy
Your portfolio is built around your goals and risk tolerance, not the headlines. We’ve already accounted for market downturns in our planning. If necessary, we can revisit your mix of stocks and bonds to ensure it still fits your comfort level and timeline.
✅ Your Time Horizon
Remember: you're not investing for today or tomorrow. You're investing for the next 10, 20, or 30 years. Long-term thinking helps reduce short-term anxiety.
✅ Your Behavior
It’s tempting to react, sell, "wait it out," or jump ship entirely. But historically, the most damaging mistakes come from emotional decisions made during tough times. Staying calm is one of the most powerful financial decisions you can make. Remind yourself what you need to facilitate calm. Is it a walk? Talking to someone? Listening to music? Do it!
✅ Declutter Your Financial Life
Organize financial documents, update passwords, clean up old accounts, review beneficiaries. Small tasks = big sense of control.
✅ Practice Gratitude
List three things you’re thankful for. Studies show that gratitude literally rewires your brain to reduce anxiety and improve resilience.
✅ Our Communication
If you're feeling nervous, let's talk. Ask the questions. Share your concerns. That’s what we’re here for! Not just to manage your portfolio, but to support you through the ups and downs.
Market volatility will always come and go. But your plan, which we've thoughtfully built together, is designed to weather these storms. We've already prepared for days like these, and together, we’ll continue to move forward with clarity, calm, and confidence.
You’ve got this. And we’ve got you.
~ Diana Sailler
This content is intended for educational and informational purposes only and does not constitute personalized investment advice. Please consult with your financial adviser to determine what may be appropriate for your individual situation. All investments carry risk, including the potential loss of principal. There is no assurance that any investment strategy will be successful.