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July 20, 2018  
 What's the most important thing
investors need to know right now? 

It's probably not what you'd expect.
You're probably expecting me to write something about the yield curve, Federal Reserve Bank interest rate policy, trade tariffs, or stock buybacks. All of those are very important and I've written tons about them. They matter - a LOT. 
But there is something else that supersedes those topics. And it's personal. I'm talking about investor complacency. Specifically, your complacency. 
So, let me ask you, are YOU a complacent investor? By that, I don't mean to ask if you're an aggressive or conservative investor. I mean to ask you if you've taken steps to understand how much risk you're taking in your investment portfolio. Do you expect stocks to rise over the next 10 years as much as in the last 10 years? If you're an aggressive investor and you lose a lot of money in a bear market, then fine, you've accepted that risk. My concern here is the investor who is not aggressive, but is not fully aware of how risky their portfolio has become because of the rising stock market since the Great Recession.   
I've seen more investors get hurt by their own complacency (2000 and 2008) than from anything else. To answer this question - Are You a Complacent Investor? -  I've developed a rapid complacency test. It's only 4 quick, multiple-choice questions.    
Take the test now and find out for yourself: The Rapid Complaceny Test   
Now check out my post today on  CNBC logo about "Inverted Yield Curve" and what it means to you:  The biggest risk in the bond market isn't rising rates or Fed vs. Trump. It's the inverted yield curve.  

Thank you for taking the time,
I opened ClientFirst Strategy, Inc. because I believe that the only way to help my clients potentially achieve their goals is by offering unbiased advice & investment management expertise. To my clients, thank you for your continued vote of confidence. If you are not a client but would like to explore the possibility of becoming one, I invite you to call me directly, visit my website, join my email list, and/or connect with me on social media.      

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All the views expressed in this report/commentary accurately reflect our personal views about any and all of the subject securities or issuers and no part of our compensation was, is, or will be, directly or indirectly related to the specific recommendations or views we have expressed in this report. This material is not intended as an offer or solicitation for the purchase of sale of any security or other financial instrument. Securities, financial instruments, or strategies mentioned herein may not be suitable for all investors. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue. Prices, values, or income from securities or investments mentioned in this report may fall against your interests, and you may get back less than the amount you invested. The information contained in this report does not constitute advice on the tax consequences of making any particular investment decision. You should consult with your tax adviser regarding your specific situation. Diversification is a method of managing risk and doesn't protect against loss in a down market. 

Mitchell O. Goldberg, AAMS, President | Investment Professional

OSJ Manager 


ClientFirst Strategy, Inc.

290 Broadhollow Road, Suite 200 E, Melville, NY 11747  

(D) 631-920-6622 (F) 631-920-6624 (C) 516-818-0338

mgoldberg@clientfirststrategy.com | www.clientfirststrategy.com



To financially empower our clients so that they can achieve their most

important goals and to confidently plan for the future that they envision.


- Asset Management:
~Asset Allocation Strategies 
~Unbiased advice 
~Strict mutual fund screening 
~Alternative investments 
~Retirement plans 
~401(k) rollovers 
~College savings plans 
~Donor Advised Fund/ Charitable Giving 
~Long Term Care
~Disability Income
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~Life settlements

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Individual Client Services: 
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~Financial plans
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*Some services provided by close affiliations. Additional fees may apply.

Some fees may be lower or may be waived for clients.



Securities & Investment Advisory Services Offered through NEXT Financial Group, Inc., member FINRA/SIPC.

ClientFirst Strategy, Inc. is not an affiliate of NEXT Financial Group, Inc.