Tired of chasing the next hot investment, only to feel stressed and uncertain?

The financial world loves gambling. They push the idea of “beating the market,” but what if that leaves you empty-handed when you need it most?  Data shows we make our worst decisions during these stressful times, often leading to costly mistakes. This “outperformance” dream is a gamble, not a plan.

Financial guru Nick Murray says it best: “a portfolio without a plan is just a fancy guessing game.” Imagine building a house without a foundation — that wouldn’t last long. Your finances deserve the same stability.

Here’s how to stop gambling and start building a secure future:

• Focus on YOU, not beating others. A good financial plan considers your needs and risk tolerance, not someone else’s returns. This personalized roadmap uses data, projections, and different scenarios to guide you.
• Build a secure foundation, not a trophy portfolio. A solid financial plan is like the bedrock of your future. It considers your income needs, timeline, and comfort with risk. This plan then dictates your investments, creating a mix that gets you where you want to be.
• Stop micromanaging and focus on the big picture. Don’t get lost in comparing yourself to others. Those details are like decorating a house built on sand. Focus on the strength of your overall plan.
• Make smart decisions, not knee-jerk reactions. A well-defined plan helps you stay calm during market ups and downs. You won’t be swayed by emotional investing or fleeting trends.

Building a solid financial plan involves:

• Calculations and assumptions: How much will you need to retire comfortably? How much can you realistically invest each month?
• Statistical facts and educated assumptions: What are the historical returns of different asset classes? How might the economy perform in the coming years?
• Scenario planning: What happens if the market crashes? What if you live longer than expected?

Whether it’s a comfortable retirement or funding your grandchild’s education, your plan needs to be the guiding light for your investment decisions.

This process may not be glamorous, but it’s far more valuable than chasing the next hot stock tip. A good financial plan, combined with a trusted advisor, helps you make rational, deliberate decisions, even when the market gets shaky.

Remember, true financial success isn’t about beating the market, it’s about securing your future. Don’t gamble on your future.  Speak with your Signet advisor about building a financial plan that can weather any storm and keeps you on the path to achieving your financial goals.

IMPORTANT DISCLOSURE

This is a publication of Signet Financial Management, LLC.

The information presented is believed to be factual, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Information in this presentation does not involve the rendering of personalized investment advice. It is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented.

Information in this presentation is not an offer to buy or sell, or a solicitation of an offer to buy or sell the securities mentioned herein. Information on this presentation is directed toward U.S. residents only. Signet only transacts business in states where it may legally do so.