As we approach the one-year anniversary of the market low due to COVID-19, we remember how important it is to not panic, or overreact. Looking at current returns, we are grateful for those who walk us through uneasy times. Although the recovery has been outstanding and although this won't always be the case, it is always going to go up. Times like these can make us uneasy about the market and our money situation. If you know of someone who would like to talk, we don't charge for a cup of coffee and a second opinion. Send them our way!