We missed each other
Why you saw a missed call from me
I’m Wilder Bailey, a fee-only, independent advisor. I reached out because we’re living through one of the most unusual—and potentially dangerous—market environments I’ve seen in my career, and doing nothing may quietly put retirement plans at risk.
I’m not calling to alarm you. I’m calling because I believe too many portfolios are built for yesterday’s world— a world of cheap money, low inflation, and steadily rising markets. That world has changed, and most people haven’t adjusted.
What has me so concerned right now
I spend my days looking at risk—the kind that doesn’t always show up in a monthly statement. Today we have:
- Inflation that has already damaged purchasing power, even if the official numbers make it look like things are “under control.”
- Equity markets priced for perfection after years of ultra-low rates and easy money.
- A generation of retirees depending on 401(k)s and IRAs that are heavily exposed to a single cycle and a single narrative: “buy and hold and hope it all works out.”
If we were still early in a bull market, I wouldn’t be calling strangers. But when markets are this extended and the economic backdrop this fragile, I believe ignoring risk is itself a decision—and often the most costly one.
How I work with people like you
I run an independent Registered Investment Advisory firm. That means:
- I’m not paid to push a particular firm’s products or house portfolios.
- I can adjust risk across cycles, instead of pretending every year is the same as the last.
- I can incorporate hedges and real assets where appropriate, rather than keeping everything in one overvalued corner of the market.
My job is simple: help you get from “I hope this works out” to a plan that is intentional, explained in plain English, and built for the world we’re actually living in—not the one we wish we still had.
What to do if you’d like to talk
If you’d rather not speak, you don’t owe me a call back. But if any of this resonates—even if you’re just uneasy about where things are headed— I’d welcome a short, no-pressure conversation.
On a brief call (usually 20–30 minutes), we can look at:
- How your current portfolio is actually positioned right now.
- What a major correction could realistically mean for you.
- Practical steps to make your plan more resilient—without blowing up the parts that are working.
You’ll get my honest view. If it makes sense to keep talking, we will. If not, you’ll still walk away with a clearer understanding of your situation.
You ended up on this page because I reached out and we missed each other. Whether we ever speak or not, I hope this gives you a clearer sense of why I’m so focused on this moment in market history—and why I believe a second look at your plan is worth your time.