Lesley N Day, CFP®, CLU®, RICP®

Wealth Management Advisor


"Communication leads to community, that is, to understanding, intimacy and mutual valuing."

– Rollo May

FEBRUARY 1, 2022

Good afternoon!  With all the headlines and volatility in the market these past few weeks, we wanted to take a moment to give you an update and share our mindset. 

We’ve planned for this yal!!  First, we planned for your income needs and to get those dollars liquid, we planned for your emergencies, we protected your plan with insurance and then we use our tools and systems with your invested assets to take advantage of markets just like this.  Our tools and systems are:  Strategic Distribution, Proactive Rebalancing, Tax Diversification, Asset Location, Tax Loss harvesting and Strategic Philanthropy.  And in reality, it’s the volatility that creates the opportunity in the market!       

With your risk level in mind, we executed on a few Strategic Rebalancing moves to capitalize on the volatility.  It is to position you for better long-term results once the asset classes begin to rebound.  In addition, the recent market volatility allowed us to wrap some tax efficiencies with our execution along the way.  We call that Tax Loss Harvesting

Let me share some details-

As of Friday’s market close, many major domestic asset classes were down nearly double digits so far in 2022. Last week we made strategic trades to purchase equity asset classes that were on sale, such as small cap growth, which was down over 17% YTD at the time of the trades.  We also made some tax loss harvesting trades to capture tax advantages in advisory non-qualified accounts to help with future tax burdens.  Here’s a link about tax loss harvesting: https://www.northwesternmutual.com/life-and-money/how-tax-loss-harvesting-can-add-value-to-your-investments/

For some of you, you have cash on the sidelines not earmarked for your financial plan.  But, you want to put to work when an opportunity exists.  The excess cash – we call “Opportunity Dollars”.  For those who hold their opportunity dollars with us, we took advantage of the volatility this week.  As you saw last Monday for example, the markets change in a day. 

With that in mind, if you feel you have opportunity money, let’s discuss holding some of that here to be ready to deploy rapidly.  If you’d like to discuss, let’s schedule a quick call.  Scheduling link

In the meantime, continue your financial habits:  saving first, dollar cost averaging, and maintaining an ample emergency funds.  It IS our habits that create our trajectories!

We’re here, we’re ready, and we thank you for allowing us to serve you, your family, and your goals.


All our best,

Lesley, Nathan, and team

*All investments carry some level of risk including the potential loss of all money invested. No investment strategy can guarantee a profit or protect against a loss.

Lesley N. Day, CFP®, CLU®, RICP®        
Wealth Management Advisor & Growth Development Director                                     



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