Is There a One Size Fits All Portfolio?

I do think that people who are nearing retirement are very worried. They're worried about when the bear market is going to turn and they're worried if their plans retire, particularly if it was in the next one or two years,. So that group specifically, I think rightfully so is a little bit more nervous. Good financial planning should allow you to maintain your financial plan despite the economy. If we start seeing prices go up by 3%, it will feel perfectly fine to everybody. Going into 2023, what I want clients to understand is that the current starting point where we are in the market, it's not so much risky as it is annoying. The biggest risk is that you behave poorly.