Stock market volatility can make your clients nervous but is a part of long-term investing. It's difficult at times to stay put when the market is posting negative declines and while every investor is different, there are steps to take. Selling investments when the markets drop can make those temporary losses permanent, especially when many transfer those funds to cash and never reinvest.
While it might be difficult emotionally, rebalancing your client's investments might be a smarter option. Markets typically go up and down, and your clients are likely to experience losses during their investing timeframe. However, it's about minimizing those negatives, especially during bear markets—a period the stock market falls by more than 20%—as timing ups and downs is nearly impossible. Historically, bear markets have been relatively short when compared to bull markets, your clients need guidance on ignoring the noise and staying focused on their plans.
Learning Objectives:
- Recall and assess a client's risk tolerance
- List how to properly diversify investments
- Recognize different types of investment risks
- Calculate how to avoid scams, Ponzi schemes, and investments that are not transparent
- Outline conflicts of interest with brokers vs. investment advisers
- Determine how to use annuities as bond alternatives with portfolios
- Define tax-efficient investing and tax-loss harvesting
Carlos Dias Jr.
Dias Wealth
Founder and CEO
[email protected]
(407) 801-2244
Carlos Dias Jr. is the founder and lead advisor at Dias Wealth, a financial advisory firm headquartered in Lake Mary, Florida but working with clients nationwide. With a deep commitment to helping clients achieve their financial goals, Carlos brings extensive experience in investment management, tax planning, estate planning, and asset protection. His expertise spans a diverse clientele, including business owners, retirees, lottery winners, and professional athletes.
Carlos is known for his fiduciary approach, ensuring that all advice and recommendations are made with the client’s best interests in mind. He emphasizes transparency and collaboration, working closely with clients to develop customized financial strategies that align with their unique needs and aspirations. Under his leadership, Dias Wealth has earned a reputation for excellence and trustworthiness in the financial advisory industry.
Carlos’s expertise and engaging speaking style have made him a sought-after speaker at various CPA societies across the United States. His presentations often focus on innovative tax strategies, retirement planning, and asset protection, providing valuable knowledge to accountants, attorneys, and financial professionals. Carlos is known for his dedication to educating professionals on complex financial topics. His ability to simplify intricate financial concepts has earned him a reputation as a trusted educator and advisor.
Carlos is a proud recipient of the CPAacademy.org Top Presenter award for both 2022 and 2023.
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