Two of the most common questions I hear are “What is the stock market going to do?” and “What is going to happen to interest rates?” The answer to both questions is, “They will go up, down, stay the same, or all three.” Each day I read differing opinions on what is going to happen in the near future from the “experts” who are paid to know.

No one can predict the future direction of the stock market or interest rates with total accuracy. There are just too many variables affecting them.

Should investors give up attempting to invest their money intelligently? No! There are many ways to help you reduce the effects of market variations and the associated risks over the long term.

One of the reasons for not achieving financial goals is not the ups and downs of the market and interest rates. Instead, it is a combination of inertia, fear, and inconsistency that allows investors to lose sight of long-term goals and the means to help them reach them. That is what we want to help you achieve. Please contact me if you have questions or would like to set up an appointment to review your investments.diversifying portfolios and carefully acquiring and holding assets, the risks can be reduced.