RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Chertng Yor Coe fo tatrmat SAD COMMENTARY ON STOCKS Choosing stocks can be difficult enough without emotions added to the mix. In fact, there is research showing that people who suffer from even mild cases of "seasonal affective disorder" (SAD) are more likely to avoid risks in autumn when they are growing depressed. Acting on emotions in lieu of research, they may sell off riskier stocks in favor of safer investments, and then buy back into stocks as daylight increases in the spring. The problem is that, if they get too conservative in the fall, they could miss out on a potential annual upswing in stocks, which often begins in late December. To circumvent this problem, seek out good professional investing advice and stick to an imvesting plan. At Ryan Wealth Management, our clients understand that managing their investments and retirement income is more complicated and time-consuming than ever before. They acknowledge that working with specialized investment professionals provides them with a level of confidence and security. We follow a disciplined approach to balance risk and return, and believe that educating clients enables them to make informed decisions prior to retirement and during retirement. Call us today to schedule a consultation. It is often said that the stock market is driven by just two emotions: fear and greed. Succumbing to these emotions can have a profound and detrimental effect on investors'portfolios and the stock market. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959 RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Chertng Yor Coe fo tatrmat SAD COMMENTARY ON STOCKS Choosing stocks can be difficult enough without emotions added to the mix. In fact, there is research showing that people who suffer from even mild cases of "seasonal affective disorder" (SAD) are more likely to avoid risks in autumn when they are growing depressed. Acting on emotions in lieu of research, they may sell off riskier stocks in favor of safer investments, and then buy back into stocks as daylight increases in the spring. The problem is that, if they get too conservative in the fall, they could miss out on a potential annual upswing in stocks, which often begins in late December. To circumvent this problem, seek out good professional investing advice and stick to an imvesting plan. At Ryan Wealth Management, our clients understand that managing their investments and retirement income is more complicated and time-consuming than ever before. They acknowledge that working with specialized investment professionals provides them with a level of confidence and security. We follow a disciplined approach to balance risk and return, and believe that educating clients enables them to make informed decisions prior to retirement and during retirement. Call us today to schedule a consultation. It is often said that the stock market is driven by just two emotions: fear and greed. Succumbing to these emotions can have a profound and detrimental effect on investors'portfolios and the stock market. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959