A practical, step-by-step guide to protecting your portfolio — and your peace of mind — when markets get turbulent. Built for retirees and pre-retirees on Florida’s Treasure Coast.
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Verify your cash buffer covers 1-2 years of expenses, confirm your allocation still matches your risk tolerance, and assess your sequence-of-returns exposure — especially critical in the 5-year window around retirement.
Market dips create tax-saving opportunities. Identify tax-loss harvesting candidates, evaluate Roth conversion windows at lower values, and time charitable giving for maximum deductions. Tax alpha of 1-2% annually adds up fast.
The biggest risk during volatility isn’t the market — it’s our reactions. Reduce media consumption, re-read your financial plan, schedule an advisor check-in, and commit to a 48-hour cooling period before making changes.
Missing just the 10 best market days over 20 years cuts your returns by more than 50%. This checklist helps you stay disciplined, find opportunities, and protect what you’ve built.
Q: How often should I review my portfolio during volatile markets?
A: We recommend running through this checklist once per quarter, or whenever the market drops 10% or more. More frequent checking often leads to emotional decisions that hurt long-term returns.
Q: Is this checklist relevant if I’m still working?
A: Yes — especially if you’re within 5-10 years of retirement. The “sequence of returns” danger zone starts before retirement, and the tax opportunity strategies apply to anyone with a taxable portfolio.
Q: What makes Davies Wealth Management different?
A: We’re a fee-based fiduciary — legally required to act in your interest, with advisory fees disclosed up front and any annuity or insurance commission disclosed before you decide. We specialize in serving retirees and pre-retirees on Florida’s Treasure Coast.
Davies Wealth Management | Fee-Based Fiduciary | Stuart, Florida
DaviesWealthManagement@TDWealth.Net | tdwealth.net
This content is for informational and educational purposes only and should not be considered personalized investment advice. Davies Wealth Management, LLC is registered as an investment adviser with the State of Florida. Registration does not imply a certain level of skill or training. Past performance does not guarantee future results. All investing involves risk, including possible loss of principal.