Five years ago, I was interview on NBC Morning News during one of the most turbulent times in modern history. The pandemic was disrupting lives, rattling markets, and challenging even the most seasoned investors. My message then was simple: have a plan, trust the process, and stay the course.
Today, that message hasn’t changed. In fact, the last five years have only reinforced the value of sound financial planning and long-term thinking.
Volatility Is Normal. Planning Is Essential.
Markets move. That’s a constant. But what I’ve seen time and time again—whether it’s through the dot-com bubble, the Great Recession, or the pandemic—is that those who stick with a thoughtful, goals-based investment approach tend to come out ahead.
At Apollon Financial, we believe your financial well-being isn’t defined by one event or quarter. It’s the result of consistent planning, strategic adjustments, and keeping your eyes on your long-term objectives—even when the headlines get loud.
The Power of Staying Invested
If you pulled your investments during the initial COVID downturn, you likely missed out on one of the sharpest rebounds in history. It’s a hard truth, but it highlights why emotional decisions can be costly. Investors who stayed the course—those with a plan—were rewarded not just with recovery, but with growth.
Our clients know this because we walk alongside them, ensuring their portfolios reflect their personal goals, risk tolerance, and timeline. We build in flexibility for life’s surprises, but we don’t react to noise.
It’s Not About Timing the Market—It’s About Time in the Market
Trying to time the market rarely works. But time in the market—through discipline and a structured financial planning approach—can work wonders. We’ve seen it firsthand with Merck employees navigating stock options, retirement plans, and life after pharma. The key is integrating all those pieces into a cohesive strategy that helps you participate in market growth while aligning with your personal and professional goals.
Looking Ahead
The last five years have been a case study in resilience. And for those of us who have been doing this for more than two decades, it’s another reminder of why we do what we do.
Whether you’re nearing retirement, mid-career at Merck, or just getting started, having a trusted partner to help coordinate your investments, benefits, taxes, and estate plan can make all the difference. Staying the course doesn’t mean standing still—it means moving forward with intention.
Let’s talk about how your plan is working—and how we can keep it aligned for the next five years and beyond.
