Here's how it usually goes. You sell the laggard and buy whatever has been winning. You might even feel a little relief because you got rid of the thing that wasn't working and replaced it with something that had been doing better. Except you just sold something after it went down and bought something after it went up. It's this habit that causes many investors to earn less than the very funds they own.

I’ve witnessed situations where people make a choice without being thorough, only to have a real mess on their hands. The financial planning process I use breaks the answer down into five steps, so you minimize headaches.

We build investment portfolios designed to help you achieve your unique financial goals while managing risk in a way that feels right for you. It's imperative to maintain a steady, long-term perspective rather than trying to outsmart the market or chase the latest hot trend.

Learn more about what investment management means at TapestryFP.