Staying the Course: Why We Built Your Portfolio for Moments Like This

I wanted to take a moment to check in, both as your advisor and as someone who genuinely cares about your financial future.

This season in the market has been... let’s just say “eventful.” And while there’s always some unique factor that makes each downturn feel unprecedented (this one included) I want you to know: we planned for this.

We didn’t build your portfolio assuming the markets would rise in a straight, smooth line. We built it knowing that at some point, headlines would feel overwhelming, volatility would spike, and doubt would creep in. And we structured your investments to reflect your long-term goals and timelines—not the chaos of the daily news cycle.

This kind of market drop can feel unsettling. I get it. It always feels different in the moment. But if there’s one thing history teaches us, it’s that market cycles are both unpredictable in cause and surprisingly consistent in pattern. They go down. They come back up. And through it all, disciplined investors - like you - tend to come out stronger.

That’s why I’m so thankful for your trust.

You let me do what I do best: build diversified, resilient portfolios that aren't just made for the good times, they’re designed to weather storms. And right now, that strategy is showing up in real ways. While many investors are seeing losses well into the -20% range, your accounts have been holding up considerably better. That’s not luck. That’s the plan.

You may have noticed a few recent changes in your Roth IRA. Those were intentional, tactical moves. Behind the scenes, I’m also watching for tax-loss harvesting opportunities in your brokerage account. It’s not something we want to rush, but if the market stays bumpy for a bit, there’s a window to be strategic and potentially offset future gains while staying fully invested. If you want to talk that through, just say the word, we can schedule a time.

This is also a perfect moment to revisit Roth conversions. It’s something I’d flagged earlier this year with your CPA as worth considering, especially during a dip like this when there’s room for tax efficiency without disrupting your backdoor Roth strategy.

Look, I know you’re thoughtful, long-term investors. You’ve shown up with discipline, patience, and perspective time and time again. And I’m here to support that with strategies that make sense, not hype.

Still, I’ll be honest: watching some DIY investors ignore this kind of planning has been hard. I’ve seen portfolios unravel that didn’t need to. It’s reminded me why this work matters so deeply. And why I’m so grateful for clients like you who understand the value of playing the long game and let me build something strong enough to weather it all.

So here’s what I want to leave you with:

• You are well positioned.

• We have a plan.

• This is exactly what we built for.

If you're feeling good, amazing. But if anything feels off, or even if you just want to talk things through, I’m here. Always.

With appreciation and clarity, 

Katy