Blog Posts

By Michael J. Searcy

In our current market, we’re seeing changes daily and some are drastic enough to spook even the most seasoned investor and cause them to make decisions outside of their best interest. How have the market changes been affecting you?

If you were to ask yourself whether you make decisions based on headlines and short-term volatility scares, you would probably believe those issues wouldn’t affect your behavior. We tend to believe that we will always make the most rational, considerate decisions. However, controlling your emotions during volatile markets and staying rational isn’t as easy as you might think.

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For many Americans, the assets in their Individual Retirement Account represent a significant portion of the wealth they hope to leave to their loved ones. You may have heard that creating a trust and naming it as the beneficiary of your IRA is a good way to direct how your assets are distributed after your death and force your heirs to “stretch” the IRA for generations.

However, trusts and inherited IRAs are complex vehicles that have a lot of details to get right. Here are some of the pros and factors to consider regarding naming a trust as a beneficiary of your IRA:

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Financial markets are rarely easy to navigate alone, and when you add in economic factors, complex political and global developments and devastating weather events, it can seem even more challenging.

Experience has taught us that successful investing requires discipline and patience. A long-term investment focus can help when emotions run high. While balancing ongoing changes can seem daunting, a steady course can help buffer you against turbulence and uncertainty.

To help you overcome these challenges, we've compiled a list of common mistakes and guidelines.

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By Michael J. Searcy

Are you limiting your investment success by letting emotions about market volatility control your decisions? We know that you’re more likely to find success, however you define it, if you have a plan in place. Your plan needs a defined purpose and vision, corresponding goals, and a timeline for measurement. But it’s not enough to just have a plan, you also have to trust your plan. When emotions take over, they can quickly steer you off course. That doesn't mean prudent changes can’t or won’t be made along the way to your goal, but without discipline, you may as well throw your plan out the window or not bother making one at all.

This year has already taken us through some market ups and downs. After months of relative calm, extreme movement in the market can lead to confusion. Fluctuations can be unnerving and it’s very normal to have anxiety, especially when headlines are shouting doomsday predictions to get more attention. Understanding the potential causes of the volatility and having steps in place to get through the fluctuation can help ease your anxieties.

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When building a financial strategy, we work hard to create an approach that plans for your longevity and allows you to live a satisfying life. But beyond helping clients prepare for a longer retirement, we are focused on addressing a key goal: Managing emotional reactions.

For many investors, the market’s inevitable fluctuations can make investing feel like an emotional roller coaster. However, letting erratic, short-term market movements create anxiety can lead to detrimental financial decisions.

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