Effective wealth management requires the ability to identify and implement solutions and investment strategies consistent with a client’s objectives. Although each client has unique circumstances, I feel every client investment portfolio should possess high quality, diversified holdings that are held with a view toward the long-term. This does not preclude opportunistic investing during periods of inevitable volatility in the financial markets. However, In my experience, changes in a wealth management plan should be driven by changes in a client’s objectives or circumstances and not by the latest investment fad, event, or economic theory. Focusing the decision making process on long-term objectives rather than short-term performance tends to reduce risk and increase the likelihood of investment success.