My name is Evan Vladem, and I’m a partner and financial advisor at Associated Investor Services. I get it... talking about money can be intimidating... So, we created a judgment-free space where there are no "dumb" questions or embarrassing situations.
Everything and anything is welcome, and we'll provide our best answers and/or guidance. Feel free to submit questions or letters directly to me via email HERE. You have my word, your identity will remain anonymous to our readers.
Dear Financial Advisor,
Every time I turn on the news recently, I’m seeing headlines about big market drops, trade tensions, political drama and global unrest. With all of these tariff talks, more concerns on inflation and geopolitical risks rising, I’m starting to feel anxious about my investments. Should I be doing something different right now? How do I know if I’m still on track?
– A Nervous Investor
Dear Nervous Investor,
You’re not alone — and you’re asking the right questions.
Recent volatility and movements in equity markets have been dominating the headlines. With renewed tariff discussions raising concerns over a costly trade war, inflation expectations creeping higher, and growing geopolitical uncertainty across the globe, the markets have pulled back roughly 10% from their February highs — and many investors are understandably unsettled.
Here’s something we often remind clients (and those just getting to know us): markets dislike uncertainty. And right now, uncertainty is everywhere — from monetary policy to global conflict and trade. That doesn’t mean panic is warranted. It just means this is exactly the kind of environment long-term planning is built for.
Volatility is a normal, expected part of the investment experience. We construct portfolios with that reality in mind — using diversification and discipline to help weather the ups and downs. We also avoid reactive decisions based on headlines. Markets can shift quickly, and it’s incredibly difficult to predict when a particular event will lead to a market top or bottom. That’s why we lean on a longer-term approach and a clear investment strategy to guide decisions.
A couple questions are key, though, before we typically provide longer-term guidance in the face of volatility. One: Has there a change in your appetite for risk and your risk profile? Two: Has anything changed in your personal or business life that may affect your cash flow or short-term needs? If the answer to both is no, our guidance may be – ‘let’s stay the course, rebalance where appropriate, and look for opportunities — not flee from them.’ Keep in mind, Short-term noise often creates long-term potential.
If you’re currently working with us, rest assured that we’re monitoring these developments closely and will continue to evaluate if any shifts are needed based on your plan. If you're not yet a client but are feeling unsure about your current strategy — or don’t have one at all — now may be a great time to have a conversation. We can help you assess where you stand and whether your current approach aligns with your long-term goals and risk comfort.
And one more piece of advice that applies to everyone: if you find yourself feeling overwhelmed by the constant stream of financial news, consider taking a step back. Often, reducing emotional noise is one of the healthiest things an investor can do.
Uncertainty is inevitable. But navigating it with confidence and clarity? That’s what we’re here for.
Cheers,
-Evan Vladem