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Four Pillar Friday

This season is a reminder that the goal isn’t to become someone new on January 1st. It’s to reinforce the identity of someone who moves, who takes care of their body, who values energy and longevity. One walk. One lift. One stretch. One decision you can repeat each and every day.

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Mid-Quarter Market Commentary

Over the past 30 years, a 60/40 portfolio of equities and fixed income has delivered positive performance in 99% of rolling 5-year periods.  After 10 years, that improves to 100%.  During that time, the real value of cash has been constantly eroded by inflation.  Although cash can feel like a haven, it rarely outperforms inflation over extended periods.  While it may be tempting to sit on excess cash for a variety of reasons, including elevated valuations or economic uncertainty, holding cash above and beyond your prudent reserve requirements is a losing game.