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Planning for Ups and Downs

Market volatility stirs the emotions.
It’s hard not to react when markets make sudden, large moves. Greed and fear are natural human emotions that, if given free rein, can lead investors to buy high and sell low. That can be a recipe for wealth destruction.

Planning is the antidote to panic.
The time to handle market fluctuations is before they happen. Planning starts with an understanding of how your portfolio will react to volatility, and then making moves to restructure your wealth to fit your risk profile.

Asset allocation is key.
Diversifying your investments across a broad set of asset types is a central feature of your wealth planning. Knowing your tolerance to risk, stage of life, and need for liquidity should shape your asset allocation so that you can tolerate volatility without it triggering sudden, unplanned reactions.

Your financial professional has planning tools.
When you work with a skilled wealth professional, you have access to planning tools that show how your portfolio might react to various market scenarios. Together, you and your financial professional can restructure your portfolio to match your risk profile. A properly structured portfolio will help you resist the knee-jerk impulse to do something when markets jump.

Replace concern with confidence.
Call or email me today and I’ll work with you to develop a custom plan that will help you manage emotion through all market environments. Together, we’ll reorganize your assets to help provide confidence in periods of market volatility. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and Asset Allocation do not protect against market risk.

Contact me for a free, no obligation consultation!

Meet Your Advisor!

Investment & Retirement Center Located at Credit Union of Denver

Shelley Hertel AAMS®, CRPC®

Financial Advisor  303.239.1179
303.239.1141 Fax

Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Investment advice offered through Western Wealth Management, a registered investment adviser and separate entity from LPL. Credit Union of Denver and Investment & Retirement Center Located at Credit Union of Denver are not registered as a broker-dealer or investment adviser. Registered Representatives of LPL offer products and services using Investment & Retirement Center Located at Credit Union of Denver, and may also be employees of Credit Union of Denver. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Credit Union of Denver or Investment & Retirement Center Located at Credit Union of Denver. Securities and insurance offered through LPL or its affiliates are:

Not insured by NCUA or any other government agency

No credit union guarantee

Not credit union deposits or obligations

May lose value

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