“When you need clarity, subtract.” - James Clear
Tax season continues! Whatever method you’re using to file your return, we can help! If you have questions or feel stuck, reach out. We’re here to help make the process smooth so you can get back to life.
We hope this week’s newsletter is helpful on your journey! As always, hit REPLY if you have comments or suggestions.
KINETIC WEALTH 2.0
WE ARE EVOLVING | THANKS FOR YOUR INPUT
We’re nearing the finish line on our rebranding and can’t wait to share it with you over the next couple of months. This work grew out of a simple realization: as our firm has grown, so have you, and we want our message to reflect the people we now proudly serve.
When we launched, we made our best guess about who we’d help and how. Since then, your trust has guided us in a slightly different (and even better) direction. Our core promise remains the same: a peoplefirst, fiduciary experience. Now we’re aligning our materials and communications to match that promise.
What’s changing (and what’s not):
- Newsletter cadence: starting in April, you’ll receive one comprehensive newsletter at the beginning of each month, plus shorter, easytodigest emails regularly throughout the month.
- Materials and website: we’re partnering with two Knoxville providers to refresh our print pieces and website. We expect this to be complete by April / May.
- Brand elements: our name, logo, and colors are not changing. What’s evolving is our messaging; clearer language that reflects our forwardlooking approach to personalized financial planning and advice.
Thank you for being part of this journey, whether from day one or anywhere along the way. We’re excited to keep growing our impact for you and for our community.
Want more frequent updates? Follow us on Facebook, Instagram, or LinkedIn.
P.S. Save the date! We’re planning our second community event this fall - a family picnic for clients, their families, and friends. We’ll share details as we finalize them.
PLANNING BEATS PREDICTION, ESPECIALLY NOW
MARKETS MOVED. YOUR PLAN STILL LEADS.
We hope you found our recent market commentary helpful. If you missed those, hit REPLY, and we’ll send you those resources and facilitate a conversation!
The last couple weeks have been interesting. Middle East conflict, oil prices, payroll declines and unemployment all have been in the headlines. Volatility isn’t a flaw of our investing journey; it’s an important part of growing our resources so we can find our best life.
Planning over prediction
Many voices in our industry lean toward speculation…chasing today’s pitch or last quarter’s star. We proactively don’t. As fiduciaries, we put your interests first by focusing on comprehensive financial planning, not quick fixes.
Why? Because:
- Planning is evidencebased. Disciplined saving, tax optimization, risk management, and diversified investing compound in your favor over time.
- Speculation is storybased. It often asks you to believe someone can repeatedly outguess markets. Independent research (e.g., S&P Dow Jones Indices’ SPIVA scorecards) has long shown that most actively managed funds struggle to beat their benchmarks over longer periods. See chart below depicting active management underperforming the market 80-90%+ over 10-year periods:
- Your life, not the news cycle, is our North Star. A real plan aligns investments with the timelines for your goals, so shortterm noise doesn’t derail longterm outcomes.
Volatility, reframed
Think of volatility as the market’s way of “charging admission” for returns above cash and inflation. We can’t remove market ups and downs, but we can make them work for you.
What we can’t control
- Daytoday headlines
- Shortterm market moves
- Interestrate and oilprice surprises
What we can control
- Your allocation to growth, stability, and cash
- Tax strategy: asset location, taxloss harvesting, charitable planning
- Behaviors: staying disciplined, rebalancing, and funding the plan on schedule
- Cash reserves: matching nearterm spending to lowvolatility assets
Making the most of good and disappointing markets
Your plan anticipates both sunny days and storms. Here’s how we turn each to your advantage:
- In rising markets:
- Rebalance to lock in gains and keep risk aligned with your target
- Harvest gains thoughtfully for charitable giving or goal funding
- Review savings rates to accelerate progress while momentum is on your side
- In choppy or declining markets:
- Taxloss harvest to manage taxes over time
- Rebalance to buy quality assets at lower prices
- Deploy cash intentionally according to your plan’s schedule, not the news
Our commitment to you
Financial planning works, both when markets are strong and when they disappoint, because it blends math with mindset. Our role is to be your calm, clear, fiduciary partner: educating, guiding, and adjusting your plan as life evolves so you can pursue longterm peace of mind with confidence.