Molotskys on Money
Ask the Expert: The SHM Financial Group
Since 1928 we have only had 12 years when the stock market has fallen by more than 10%.
Each instance during that 98-year-stretch can be attributed to one of three factors:
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Military conflict
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A Federal Reserve that practices low inflation over economic growth
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High stock valuations
Any one of these factors have historically played a vital role in turning market corrections into crashes. Today, in the spring of 2026, we are facing all three.
As those of you who have continually read our columns in this magazine know, we have been saying there is nothing wrong with hoping for the best, but you should be prepared for the worst.
This spring, make sure your financial house is in order. Now is the ideal time to get that second opinion on your current asset allocation. As always, let us know how and when we can be of help.
P.S. Remember, paper gains do not pay the bills, real income does. Income-related investments can fund your lifestyle without dismantling your assets, and true financial independence means getting paid, not selling.
The SHM Financial Group
Voorhees
(800) MONEY-SHM
