Are you letting the fear of a market crash keep you from investing? In this episode Jerry explores what historically happens when you invest right before major market declines. Discover why long term investing often outweighs the perceived risks of unlucky timing.

In this episode:

🔸 Explore the fear of investing right before a major market decline

🔸 Review historical data from eight major market crises including the Great Depression

🔸 Understand how an average market decline impacts your long term portfolio

🔸 Discover why unlucky timing does not prevent substantial long term investor growth

🔸 Compare investing one hundred dollars today versus avoiding the market entirely

🔸 See how inflation destroys the purchasing power of uninvested cash over time

🔸 Learn what greater spending power means for your future family legacy

🔸 Discover how Presilium helps clients prepare for downturns with diversified investment portfolios

At Presilium we want to ensure fear never derails your long term financial goals. Contact our team today to build a resilient plan that accounts for future market uncertainty.

#Investing #StockMarket #Presilium #FinancialPlanning #WealthManagement #MarketTrends #RetirementPlanning #Inflation

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Connect With Jerry: Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: jerry@presiliumpw.com

LinkedIn: https://www.linkedin.com/in/jerrydavidse/ Meet Jerry: https://www.presiliumpw.com/about/team/jerry-davidse

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This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.

The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.

Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

In this episode of The Big Question, Brook Hart of Presilium Private Wealth explores a question that sits at the heart of every financial plan: How do you define risk?

Many investors think of risk as market volatility, but that's only one piece of the picture. Through a real client story, Brook explains why risk is personal and why defining it too narrowly can lead to unintended consequences. From concentration risk and behavioral risk to inflation and longevity risk, understanding the different types of risk is essential to building a retirement strategy that supports your long-term goals.

In this episode:

• Why defining risk is more important than simply trying to avoid it.

• How a real client conversation changed Brook's perspective on investment risk.

• The dangers of concentration risk and relying too heavily on a single investment.

• Why holding excessive cash may introduce inflation and purchasing power risk.

• Understanding behavioral risk and how emotions can affect investment decisions.

• What longevity risk is and why it matters for retirement planning.

• How a diversified strategy can help balance short-term market volatility with long-term financial goals.

• Why maintaining several years of planned spending in more conservative investments may help reduce emotional decision-making during market declines.

• The importance of preserving and growing purchasing power throughout retirement.

• Why successful investing starts with understanding which risks matter most to your personal financial plan.

Risk is an unavoidable part of investing, but understanding it can lead to more informed decisions and greater confidence over time. Listen now to learn why asking "How do I define risk?" may be one of the most important questions in financial planning.

#financialplanning #investmentrisk #retirementplanning #wealthmanagement #investing #Presilium #retirement #diversification #financialadvisor #longterminvesting

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Connect With Brook:

Brook Hart, CFP®, CEPA®

President & CCO, Presilium Private Wealth

Email: Brook@presiliumpw.com

LinkedIn: linkedin.com/in/brook-hart

Meet Brook: https://www.presiliumpw.com/team_member/brook-hart-cfp/

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This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.

The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.

Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.

Stock market declines can be frightening, but selling during a market downturn or avoiding stocks entirely can cost you significantly over time. In this episode of Financial Planning Friday, Jerry Davidse, CFP®, breaks down what historical S&P 500 performance reveals about staying invested through volatility and how strategic financial planning can protect your long-term wealth.

In this video, you’ll learn:

• What the S&P 500’s long-term performance since 1950 reveals about market declines and growth

• How a hypothetical $1,000 investment with reinvested dividends grew over the decades

• Why avoiding stocks or selling during downturns can affect long-term financial goals

• How market volatility can influence retirement planning, family support, and charitable giving

• Why keeping near-term spending needs in more stable investments can help avoid selling stocks during declines

• How portfolio rebalancing may create opportunities to add to stocks when prices fall

• Why preparing for market declines in advance can help investors stay disciplined through uncertainty

Market declines have been a recurring part of stock investing, but reacting emotionally can make it harder to pursue long-term goals. Presilium helps clients build financial plans and diversified investment strategies designed to account for volatility, manage near-term cash needs, and maintain a long-term perspective.

#StockMarket #SP500 #LongTermInvesting #MarketVolatility #FinancialPlanning #WealthManagement #InvestmentStrategy #RetirementPlanning #InvestorBehavior #PresiliumPrivateWealth #JerryDavidse

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Connect With Jerry:

Jerry Davidse, CFP®

CEO, Presilium Private Wealth

Email: jerry@presiliumpw.com

LinkedIn: https://www.linkedin.com/in/jerrydavidse/

Meet Jerry: https://www.presiliumpw.com/team_member/jerry-davidse-cfp/#bio

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This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.

The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.

Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.