In This Issue:

Kelly S. Olson Pedersen, 
7825 Washington Ave., Suite 625
Bloomington, MN 55439
Main Line: 952-777-2270
Expect more from your financial advisor.
A Note From Caissa
Nukes and plans. 

We have probably heard more than we want to hear about nuclear bombs in the past few months and how we as a nation would defend ourselves in the event of an attack.  In our personal lives, there are various forms of "nukes" that can blow up our plans in an instant.  

In our home, our 8 month old Tommy started crawling. It's more of a hop-crawl but somehow he can get across a room faster than I can.   This has thrown us very quickly into an alert situation as now he can get to anything and make something as harmless a penny or pencil deadly weapons. This is the phase I call the "ka- mikaze" phase - without knowing he is on a mission, it seems everything he does can be self-destructing! It is now our duty to put up the gates, batten down the doors and drawers and keep the floors spotless of peaceful weapons. Because that was the plan.
While we knew this event was coming, we didn't know when or how sudden it was going to happen. The same goes for our clients' portfolios and the markets.  We know there are downturns that happen (on average at least a negative 14% every intrayear).  We make plans for it and we build our portfolios to defend it, but it still feels a little chaotic when it happens. Emotions can take over a little bit and we may start to feel overwhelmed and want to make some knee jerk decisions.
At the point where we start to feel overwhelmed, it's good to self-check.  This might be where I lock myself in a bedroom to remind myself I love my children dearly or when a client should call us to remind them how much time and thought went into their investment plan.  If we can step back out of the moment and remember the grand plan, we will all stay on our chosen paths in life. Even though some days it may feel a bit chaotic, there is peace and reward in the end of perseverance.  
Kelly, Julie, Denise and Merissa

P.S. Please click on the links in the newsletter below to see what we have been doing!
Caissa's Financial Planning Philosophy
We look at things differently
Many financial advisors provide their clients a "financial plan" that will give them a snapshot of what their financial future might look like. This may be something that is provided one time or maybe it might be tweaked once a year or every few years.

At Caissa, our approach to financial planning is VERY different!

Torpedo Proofing Retirement Visions
Torpedo: A toxic event that can derail your retirement vision
We get asked all the time "What is this torpedo proofing I keep hearing about?"  

Watch our whiteboard video we created to explain how we torpedo proof retirment visions.

CAISSA Wealth Strategies
7825 Washington Ave., Suite 625
Bloomington, MN 55439
Main Line: 952-777-2270

Expect more from your financial advisor.