While the recent bank failures may have alarmed investors, we believe they were caused by circumstances unique to those particular banks, and do not suggest a wider financial crisis on the horizon.

Steadily rising interest rates have made borrowing more expensive. Those with high levels of debt may find themselves with less to invest for the future.

The Federal Reserve's recent action of raising interest rates to help curb inflation has created volatility in the markets, generating opportunities in the equity market and making bond investments more attractive

Stock price fluctuations are inevitable, but consistent dividend increases will reward the patient and disciplined investor over the long term.