Experience Matters “Experience is a good school. But the fees are high.”-- Heinrich Heine (1797 – 1856), German poetHistory doesn’t repeat itself but it often rhymesWe have been in the financial services industry since 1989 and we have seen a lot. We know what works and what doesn’t. We have seen the financial & investment plans that we put in place many years ago work, allowing our clients to retire under there terms.We have guided clients and their plans through good times and bad.1989 Savings and Loan Bailout and Junk Bond Collapse1991 Japanese asset bubble1996 Operation Desert Storm1993 Bombing of the World Trade Center1997-1998 Asian Crisis1999-200 Dot Com BubbleSeptember 11, 2001, 9/11 Attacks on World Trade Center2007-2008 Global Financial Crisis aka Subprime and collateral market collapse2010 Flash Crash2014 Russian Fiancial Crisis2015 Chinese Stock Market Crash2017 Brexit2020 Covid Pandemic???