"The dogmas of the quiet past are inadequate to the stormy present. The occasion is piled high with difficulty, and we must rise with the occasion. As our case is new, so we must think anew and act anew."

~ Abraham Lincoln

Regardless of what transpires as the economy adapts to this new reality, by following these principles, you can be confident that you are well positioned to weather the storms and potentially take advantage of opportunities for growing your investments to match your goals:

• Keep more cash than you think you will ever need.
• Dollar cost average in and out of the market.
• Have a written plan.
• Buy quality.
• Plan for the worst and hope for the best.
• Invest in: Guaranteed income; fixed income/bonds; equities/stocks; and, alternative investments.
• Follow the technical indicators.
• Maintain access to your investments.
• It is better to pay taxes than to lose to the market.
• Wealth is created through concentration and preserved through diversification.