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This year has already seen an abnormal amount of volatility. One of the biggest causes for anxiety tied to that is among families who were planning on selling assets to cover planned expenses–everything from real estate to weddings to college. If you don’t have other access to cash when the markets are in a dip, you’re quickly faced with selling assets at a loss.
That’s why it’s so important to have ongoing, intentional conversations around decisions from 6 months to 3 or so years out. By understanding when significant expenses are expected, we can plan ahead to avoid being forced to sell investments at a loss just to meet those obligations.
From an investing perspective, the goal is to maximize long-term returns, and that typically means staying invested. But real life doesn’t pause for the markets.
A balanced plan doesn’t stick its head in the sand regarding market fundamentals, but maximizing your wealth isn’t the end goal–using it well is the primary objective. We can identify the return range you need to reach your financial objectives. When markets are up, we can trim gains and secure funds needed for upcoming expenses—so you’re not left having to sell during downturns.
This is where cash on hand—or access to it through other financial tools—becomes incredibly valuable. Having a liquidity buffer gives you options. It creates breathing room, so you’re not reliant on pulling from your portfolio at an inopportune time.
Ultimately, the last thing we want is for you to miss an important opportunity—or to take a financial hit—because the market isn’t cooperating. With the right plan, the right liquidity strategy, and the right team in place, you can move forward with confidence, no matter what the markets are doing.
At Napier Financial, our fully integrated planning team is built to help you navigate exactly these kinds of situations. Because we look at the full picture—investments, cash flow, tax strategy, and long-term goals—we’re able to coordinate across all aspects of your financial life. That means smarter timing, better flexibility, and more confidence when life’s big moments arrive.
