First, we want to thank you so much for your continued trust in us. We've had some concerned phone calls during this time of intense market upheaval and please, feel free to reach out if that would be helpful. Mostly, these are check-in calls and overall people are riding the waves rather well. We are taking this as a sign of our clients' trust and faith in us and want you to know how deeply we value our client relationships and, especially in times like these, we are mindful that your trust is the foundation of our business.

We also want you to know how closely we are watching things. As the market continues its fluctuations and the COVID-19 pandemic unfolds, we are attentively looking for "right action". If you've spoken with us anytime recently, you've heard us say that we've sensed this on the horizon. Although we did not know where the trigger for the changing market sentiment would come from, we could see it in rising "safe havens" last year, even as stocks continued to climb.

These types of unforeseeable events are the very reason we have an enhanced asset-allocation approach and why we actively rebalance accounts into the next market cycle as much as possible. We were as ready as we could be and we are now watching the horizon for the next shift in the tide. Market fluctuations, and even major market reversals, are a natural part of the ebb and flow of our economic system. Much like a heartbeat, a healthy economy can contract during times of stress and then expand as the stressor passes. Not to say that people do not suffer during times like this, that is just to say, this is a "normal" response to these abnormal circumstances, and this too shall pass.

In the meantime, here's what you can do for us: