Hope is not a strategy. Current financial markets are as unpredictable as ever. Periods of relative calm alternate with violent outbreaks of volatility that can last from a couple days to a couple years. We believe volatility is nothing to be afraid of.  More than ones it even gives rise to opportunities.  As long as you are well prepared, as long as you are in the financial position to adopt a long time horizon and a healthy amount of emotional detachment. We believe in aligning your long-term strategy with your financial structure as the basis for success.