I wanted to reach out to you as a v

I wanted to reach out to you as a valued client of our bank to share some perspective on the current market volatility and the headlines that we’re all reading – including about the COVID19 virus and the recent sharp decline in the price of oil. It is natural to be concerned and have questions about how these market conditions can affect you. In my conversations over the last few days, I have found that there are a few questions that are the most commonly asked when it comes to investing in this environment. I wanted to share these with you proactively: Should I make changes to my investments because of recent market volatility? As a general rule, the answer is that you should stick to the plan you’ve put in place. You have goals and ambitions that you are seeking to achieve - whether you are saving for your retirement or to help your children go to school. Short term market volatility doesn’t change that. The reason you have a plan is for times like this – to help put short term fluctuations in the context of your long term ambitions.