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Is this Market Going to Ruin your Retirement?

Change your Lifestyle?

Is it time you make sure that you can still have the retirement you want, the financial freedom you want, regardless of current markets?


Getting this message, you have probably heard us at least once talking about the possibility of this kind of market and how we could help with your future plans.


You should have heard about or seen a webinar in the last several years where we talked about standard diversification not being adequate to protect against all market events.


Even though many financial advisors and firms think it solves the whole problem.


In the last two years you were exposed to the idea that this has been one of the biggest bubbles in financial history and provided some thoughts about how to protect yourself.


Since March, this year we have talked about how this is looking a lot like the markets between 1966 and 1982 which was the last time we heard the term “stagflation” used frequently now.


In the last month, many financial advisors and investment managers are now talking about the same thing. We are now seeing the same charts we have shown on the internet by others.


What is your financial advisor telling you to do?


Did you have a “set it and forget it” portfolio designed for you after you took a “risk” questionnaire?


How is that working?


The use of bonds to control risk also helped lower returns but now some have lost almost as much as stocks.


Do you have foreign holdings to be diversified?


Many foreign indexes have trailed US returns for over 10 years and have mostly gone nowhere.


But are you still hearing that everything is going to be OK just hang in there?


Or are they pushing annuities now?


That is not what we did for our clients.


We exited growth stocks and long-term bonds January 4, 2022.


We exited the rest of our stocks and bonds February 4, 2022.


We have had a couple stock and bond positions since then with little change in values.


You know what the markets have done since then. Stock indexes and even some bond indexes are down over 20%.


Not pretty.


So, what do you do now if you have not taken the action that we have?

That is what we are going to discuss in a particularly important webinar Friday, September 30th at 10 a.m. Pacific Time. Click here to register
If you are a current client and are enjoying what we have done this year to protect you, please forward this to all your friends and family.
If you are not a client yet, please forward to your family and friends too. We need to get the message out to as many as possible.
And do not miss this webinar. While this market could turn around sometime soon, we could also be less than halfway through this bear market cycle.   

All my best,

David W. Shepherd, ChFC, CFP®
6300 E El Dorado Plaza, Suite A200
Tucson, AZ 85715
Phone: 520-325-1600
Fax: 520-325-9097

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Shepherd Wealth & Retirement ("SWR"), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from SWR. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. SWR is neither a law firm, nor a certified public accounting firm, and no portion of the newsletter content should be construed as legal or accounting advice. A copy of SWR's current written disclosure Brochure discussing our advisory services and fees is available upon request. 

Please Note: If you are a SWR client, please remember to contact SWR, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. SWR shall continue to rely on the accuracy of information that you have provided.

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