The Wall of Worry
You’ve got plenty of choices these days.
Have you ever heard the Wall Street expression, “markets climb a wall of worry?”
It’s the idea that financial markets are constantly on edge. Traders fret about how long a market rally can continue before it runs into trouble. Worry shifts from one news event to the next as traders attempt to build a case whether it’s time to go “risk-off” with a portfolio strategy.1
If you’re looking for something to worry about, you’ve got plenty of choices these days: the Delta variant, inflation, jobs, vaccines, Fed policy, taxes, unemployment, and so on. There’s no shortage of headlines to help boost investors up the wall.
But by early August, the Standard & Poor’s 500 index notched its 42nd record closing of 2021. And while past performance is no guarantee of future results, it’s important to keep in mind the S&P 500 has moved higher despite the wide range of economic and financial concerns.
Our role as financial professionals is to help guide and equip clients with the tools they need regardless of what news “worries” the financial markets. We work with professionals who monitor the economy and interpret how the recent news may influence the overall trends.
If you find yourself worried about the financial markets, please reach out. We’d welcome the chance to hear your thoughts.
INVEST WHERE YOU BELONG
With Pearl Hawaii Wealth Advisors, you are guided by a financial advisor with many years of experience. Get guidance to seek the most out of your assets, big or small. Want to save for a dream home? Plan for retirement? Start a nest egg for your child’s future? The possibilities are endless.
MANAGE YOUR INVESTMENTS WITH EASE
When you open an account with Pearl Hawaii Wealth Advisors, you have the ability to manage multiple types of investments. Additionally, you can access your account anywhere and anytime. Partner with a financial professional to understand your unique financial situation. To get started down a path to financial freedom, make an appointment.
A PROGRAM TO HELP YOU PURSUE YOUR FINANCIAL GOALS
Pearl Hawaii Wealth Advisors offers access to a variety of insurance and investment products. The program can provide access to a package of products and services to help you pursue your personal financial objectives… whether those objectives involve saving for a home, providing a college education, or planning a comfortable retirement. Your Advisor – a dedicated career professional carefully selected and trained to serve credit union members – can work with you to help you prioritize your personal financial goals.
For many individuals, achieving and maintaining financial well-being is a lifelong pursuit. A sound strategy involves planning, preparation, and performance.
PLANNING The first, and one of the crucial stages of planning, is preserving your assets, including your standard of living. Insurance programs for individual, family, and business needs generally offer a suitable level of protection.
PREPARATION Some will want to save and invest through diversified investment programs in accordance with set financial objectives. Mutual funds, stocks, bonds, annuities, money market funds, limited partnerships, unit investment trusts and other investment vehicles are tools through which clients are able to address these needs.
PERFORMANCE Once you determine your insurance protection strategy and your assets are invested in accordance with your goals, effective management is an important step to working towards your objectives. Some areas where we can help include tax planning, transfer of assets, and legacy and estate planning.
EXPERIENCE Your representative is an experienced investment and retirement planning professional who wants to help you prepare for the future. Representatives are dedicated to helping clients build financial strength and independence for life through sound strategies.
FINANCIAL ADVISOR SERVICES
- Financial Management
- Personal Financial Assessments
- Financial Planning
- Retirement Planning
- Insurance Planning
- Education Planning
- Wealth Management
- Education Funding
- Retirement Income Planning
- Retirement Services
- Life Insurance
- Long-Term Care Insurance
- Disability Insurance
- IRA Rollover
- TSP Transition Assistance
- Mutual Funds
- Stocks & Bonds
- Managed Accounts
Check the background of this investment professional on FINRA BrokerCheck.
*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Pearl Hawaii Federal Credit Union and Pearl Hawaii Wealth Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Pearl Hawaii Wealth Advisors and may also be employees of Pearl Hawaii Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Pearl Hawaii Federal Credit Union or Pearl Hawaii Wealth Advisors. Securities and insurance offered through LPL or its affiliates are:
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL’) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
The Wall of Worry | You’ve got plenty of choices these days.
IMPORTANT DISCLOSURES |This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting, or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax, or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such.
All indices are unmanaged and are not illustrative of any particular investment. Investing involves risks, and investment decisions should be based on your own goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. The S&P 500 Composite Index is an unmanaged group of securities considered to be representative of the stock market in general. Index performance is not indicative of the past performance of a particular investment. Past performance does not guarantee future results. Individuals cannot invest directly in an index.
Pearl Hawaii Wealth Advisors are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America. Citations
1. Investopedia.com, December 4, 2020, 2. MarketWatch, August 3, 2021
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