The stock market has been a wild ride lately, and if your emotions are following every twist and turn, you're not alone. Market swings can be nerve-wracking, but staying level-headed is the key to long-term success. In this episode, Michael and Brady break down exactly what market volatility means for your investments, no matter where you are in your financial journey. Whether you're just starting out, mid-career, or closing in on retirement, this episode will help you navigate turbulent markets with confidence. From smart portfolio strategies to opportunities hidden in the chaos, we’re turning uncertainty into action. Don't let fear drive your financial future! Tune in to hear expert insights, practical advice, and a refreshing perspective on why staying the course could be your best move yet. Grab your coffee (or something stronger), and let’s dive in!

Key Takeaways:

• How should investors approach market volatility based on their stage in the financial journey (accumulation vs. retirement)?

• What strategies can help mitigate risks and take advantage of market downturns, such as rebalancing and tax-efficient investing?

• Why is it important to focus on long-term investing and avoid making emotional decisions based on short-term market fluctuations?

Key Timestamps:

(00:00) – Market Fluctuations and Emotions

(03:00) – Market Volatility for Beginner Investors

(04:00) – Buying Market Dips

(07:00) – Historical S&P 500 Performance

(08:00) – Positive vs. Negative Years

(12:00) – Impact on Retirees

(15:00) – Wade Pfau’s Research

(18:00) – Retirement Allocations

(21:00) – Short vs. Long-Term Outlooks

(23:00) – 2025 Market Outlook

(24:00) – Diversification

Key Topics Discussed:

Financial Fortitude, Genesis Wealth Planning, Brady Hemmerle, Michael Acosta, financial wellness, wealth building, financial psychology, financial advisor, finance therapist, student loan debt, finance guidance for high earners, business owner finances, rebalancing your portfolio, tax efficient strategies., The Rewards of Long-Term Investing, Franklin Templeton, S&P 500, Wade Pfau, market downturns, volatile market, Glide Path Strategy

Mentions:

Website: https://www.genesiswealthplanning.com/

Michael’s LinkedIn: https://www.linkedin.com/in/michaelracosta/

Brady’s LinkedIn: https://www.linkedin.com/in/brady-hemmerle-cfp%C2%AE-75043013a/

Financial Health Checkup: https://www.livingbalancesheet.com/lbsVision/lite/michaelracosta

This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Genesis Wealth Planning and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All investments and investment strategies contain risk and may lose value.

Michael Acosta is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 6115 PARK SOUTH DRIVE, SUITE 200, CHARLOTTE NC, 28210, 704-5528507. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Genesis Wealth Planning is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License # 0M50974. 7237198.4 Expiration 3/27.