January 2019

The 4^th quarter of 2018 saw the stock market decline by the most since 2011.  We have been anticipating this correction for quite some time as the S&P 500 declines by 20% every 2 ½ - 3 years and it has been 7 years since investors have witnessed a bear market.  We believe the cause of the decline was a combination of the markets fear of interest rates rising too