If you turn on the radio or television at any point in the day, you will be hearing about the chaos and uncertainties of the world and no doubt have concerns as to how this affects us here at home.

We have attached a 2nd Quarter Market Report that will update you on what has happened in the markets.  We hope you may find it informative and of value.

The financial plans we recommend,  take into account bumps in the road because no one can predict the future with certainty.    There will be ups and downs in life and in the financial markets.    We need to be looking past the daily gyrations and keep our focus on the long term strategy and the broader perspective.

If you have a longer time horizon before needing to draw on your savings, you have time to withstand these market fluctuations.  As has been the trend for more than 200 years, stocks will recover from declines and rise above.    The long-term disciplined investor is the one who has historically been rewarded. 

If you are in or nearing retirement, or drawing an income from your account, we are using  our Income Withdrawal Strategy™, which we have designed to minimize the impact of volatility to your portfolio.  

We truly value the trust and confidence you have placed in our Spectrum team and want to be sure that we are actively addressing any concerns you may have.   Please be sure to reach out to us whenever a question or situation arises and we will help in any way we can.

Sincerely,