When Doing Nothing Feels Impossible

Markets fall and your portfolio drops with them, and suddenly sitting still feels like the reckless choice while doing something—anything—feels like taking control. Every headline confirms the decline, every conversation reinforces the worry, and the urge to act becomes almost overwhelming.

But that impulse to move is exactly what makes market timing so dangerous. When you sell during a downturn, you’re not protecting yourself from further losses. In fact, you’re potentially locking in the losses you’ve already experienced and possibly setting yourself up for an even harder decision about when to get back in. By the time markets feel safe again, the recovery has usually already happened, and you’ve missed the very rebound you were trying to capture.

The discomfort of staying invested during volatility is real, and it’s supposed to be uncomfortable. But that discomfort is often the price of long-term growth. Taking action feels productive in the moment, but it typically costs more than it saves. Investors who tend to stay invested during periods of volatility may be more likely to stay on track toward their goals.

Spotlight

Five minutes can reset more than you think.

A quick pause to step back, reassess, and make one small adjustment can create momentum where things have started to feel stuck.

Small resets today often lead to clearer decisions tomorrow.

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Ever wonder how your money can grow faster over time? It’s all thanks to compound interest — where your earnings start making their own earnings. Small steps today can really add up!

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Handling Your Inheritance: Five Key Moves

Most articles on inheritance focus on those leaving the assets behind, covering trusts, estates, and leaving a legacy. But what about the person on the receiving end? Inheriting money can feel overwhelming, especially during an already emotional time. Here’s a few thoughts to keep in mind.

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Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, a registered investment advisor. Stratos Wealth Partners and Weave Wealth Partners are separate entities from LPL Financial.

*All investing involves risk including loss of principal. No strategy assures success or protects against loss. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

A Roth IRA conversion - sometimes called a backdoor Roth strategy - is a way to contribute to a Roth IRA when income exceeds standard limits. The converted amount is treated as taxable income and may affect your tax bracket. Federal, state, and local taxes may apply. If you're required to take a minimum distribution in the year of conversion, it must be completed before converting.

To qualify for tax-free withdrawals, you must generally be age 59½ and hold the converted funds in the Roth IRA for at least five years. Each conversion has its own five-year period, and early withdrawals may be subject to a 10% penalty unless an exception applies. Income limits still apply for future direct Roth IRA contributions.

This material is for informational purposes only and does not constitute tax, legal, or investment advice. Please consult a qualified tax professional regarding your individual circumstances.