Investment Philosophy Investing requires discipline and time in the markets, rather than timing the markets. Daily ups and downs, or market volatility, is never comfortable for individual investors to watch; acting on the, at times, random market fluctuations can be detrimental to an investors portfolio. Pulling out while down could mean missing some of the best days. Many large daily market moves are caused by similar emotions in the broader spectrum, and they are usually temporary. This is also true of larger and longer dips, bear markets or recessions. History shows, that these downturns will happen and they are typically somewhat short-lived in the big picture of investing.Peter Lynch, one of the most successful and well-known investors of all time said, “You get recessions, you have stock market declines. If you don’t understand that’s going to happen, then you’re not ready, you won't do well in the markets.” When hit with recessions or declines, one must stay the course. Economies are cyclical, and the markets have shown they have always recovered. Your number one goal should be to be a part of those recoveries as they happen.At Legacy One Financial, we are here to help you keep that discipline and stay your course. We will encourage you to rebalance when necessary, take gains during the highs, and take advantage of the dips if you can. We will help you create a balanced portfolio that fits your specific risk tolerance, time horizon, and income need, should you have one, and we will review this with you on an annual basis. There will always be some risk associated with investing, but better quality, long-term results can be achieved by following this disciplined approach… and we will be there to help guide you through the turbulence.Investments are not the only piece we will consider. We will work with you to look at your overall strategy. What is your ultimate goal and how can we work together to pursue it? This may include exploring short-term savings options, insurance needs as they relate to your legacy as well as longevity, college planning, and more. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments.