Nathan R. Garcia Wealth Manager

“To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insights, or inside information. What’s needed is a sound intellectual framework for making decisions and the ability to keep #𝙚𝙢𝙤𝙩𝙞𝙤𝙣𝙨 from corroding that framework.” – Warren Buffett

Yes, it IS a bad time for " " at a bank or in treasuries. But zoom out... it's almost ALWAYS a terrible idea to "save" for your future in bank deposits, and fixed income. Getting paid a real rate of return above inflation for zero risk probably shouldn't be the norm. The reward for keeping your assets in a diverse portfolio with exposure to equities is real returns, and growth... but isn't free! Never has been.

This Is a Terrible Time for Savers In an upside-down world of financial markets, expected returns after inflation are at record lows.

"The more flexibility you have, the less you need to know what happens next." - Ben Graham

How to Do Long Term www.collaborativefund.com

March 24, 2021 is Women's Equal Pay Day. While we have made strides towards equal pay pay for men and women, there is still work to be done:

Gender Pay Gap Has Narrowed, but 18-Cent Shortfall Remains www.raymondjames.com