It can be hard to see what is appropriately valued when there are so many variables, pressures and external forces at play.

Despite how calm or chaotic your day might look, the environment that we live, plan, and invest in is fractured, unprecedented, and shifting extremely quickly.

Markets are volatile and, while they’re appearing strong in some areas, closer examination shows that some performance isn’t a good indicator of what’s happening to the businesses in the indexes. On days when the market looks good, it’s akin to putting one foot in a bucket of ice and the other foot in a bucket of boiling water and thinking that we’ll feel lukewarm. What you’ll actually feel are extremes and that’s what we’re seeing in the markets.

Add into that the social unrest happening across the country and around the world, pandemic fears, unclear health information, politicized health responses and an election that seems to be dividing the country, it’s hard to see what is over-valued and what is under-valued – with one exception.

In the Under Valued category is your financial plan. There has never been a time when your plan is more important than it is now. Plans are designed to address time horizons that are more than months of chaos. They’re designed to look across years and respond to trends, more than acute pain points in history.

Stick with your plan. If you feel it needs to be refreshed or re-visited, we’re happy to talk it through with you. Don’t have a plan? Get one. It’s more valuable than you think.