April 13, 2020

Dear Friends:

In spite of the overall health and economic pandemic of the Coronavirus, we will always focus on the following: a): Your Goals  b): on our long term plan for the achievement of your goals and, c): on your diversified portfolio as the long term funding medium for that plan.

To quote President John F. Kennedy: “No problem of human destiny is beyond human beings.”

You have heard this before and you will hear it again: Yes- as humans we tend to fear the unknown, and uncertainty of the apocalypse du jour, but the great achievement is to simply not give in to the fear.

As such, my mission continues. It is not to insulate you from short to intermediate term volatility, but to minimize your long-term regret. The best way I know to do that is by encouraging you to stay the course.

In a very real sense, my whole job is helping you toward that achievement of not giving into the fear and of staying the course!

I hope you are well, and please remember this too shall pass!

I am always here for you if you should need me!