A Personal Note
Why Your Results Today Started Five Years Ago
The results you’re seeing today are not an accident. They’re the outcome of plans we began putting in place years ago, designed specifically for the historic market environment we are living through now.
The Plans We Made Then Are Working Now
Around five years ago, I made a deliberate choice to structure portfolios for a very different kind of market—one shaped by stretched valuations, persistent inflation, and rapid policy changes. Instead of assuming “average” markets, we prepared for stress and opportunity. That included:
Recognizing where we were in the market cycle.
Positioning to navigate both downturns and recovery phases.
Using precious metals and other diversifiers where appropriate.
Keeping the flexibility to adapt as conditions evolve.
What you see in your accounts today reflects those earlier decisions. We are not reacting to the latest headline—we are following a plan.
We Are Only in One Phase of a Larger Opportunity
The opportunity we see is not a one-time event. It will likely unfold over years as markets work through excesses, reset, and eventually create new long-term entry points. Today is just one chapter in that process.
Our work together is focused on:
Protecting the assets you have already built.
Seeking selective opportunities as dislocations appear.
Staying prepared for the next phases of this historic period.
We are not finished. We are walking through this cycle step by step, guided by a plan that looks well beyond this month or this year.
Are There Other Assets We Should Be Managing For You?
Many clients have additional accounts—old 401(k)s, IRAs, brokerage accounts, or cash on the sidelines—that are not yet part of the strategy we are using together. In uncertain markets, scattered accounts can mean scattered risk.
Bringing more of your assets into the same system and process can:
Create a unified, cycle-aware strategy across your entire retirement picture.
Make it easier to manage risk, taxes, withdrawals, and rebalancing.
Allow us to apply the same disciplined approach to all of your assets.
If you’d like me to review or bring additional accounts into your plan, you offer some details below.
May I Use You as a Private Reference?
One of the most meaningful ways my practice grows is through people who already know me and trust the work we are doing together. As I reach out to individuals who are known to both of us, it can be very helpful to be able to say, when appropriate:
“I work with you and have your permission to mention that we’re already managing assets for your family.”
I am always careful with privacy. I would never share any personal details. I’m simply asking for permission to use your name, when it makes sense, to help someone else feel more comfortable starting a conversation.