It seems like I just wrote a column for the last newsletter of the year, except the year that was ending was 2021. Is it me, or does it seem like the years are tumbling by even faster?

A year like 2022 can test even the most committed long-term investor. With the benefit of 20/20 hindsight, we can all say we saw the market drop coming or that interest rates were obviously going to dramatically increase. Unfortunately, when you’re in the moment, clarity is always difficult.

If not for the risk of you eventually blocking our emails, we would send out this reminder via email every week. In the past several months, at least three clients have fallen victim to cyber thefts. Aside from the dollar cost, these crimes are an assault against our dignity. Victims replay the events countless times, and there’s virtually nothing that law enforcement can do.