For decades, we have watched the volatility in the stock market increase. We have seen the tech bubble burst, been witness to the collapse of the Twin Towers, have seen negative oil, read headlines about tariffs and trade war, and have seen some sectors get decimated in crisis while others rally sharply on the same news. What has history taught us? We cannot hide from change. The reality is we live in a dynamic world and in order to reach our retirement goals, we must be prepared for change. A disciplined approach to investing is your best defence. A disciplined approach allows you to be proactive rather than reactive. Positioning yourself in anticipation of change allows you to take advantage of the opportunities that present themselves while protecting your portfolio from market downturns. If you are questioning the wisdom behind your financial plan, contact us.