1 - Despite all the drama in the stock market this year, it really has moved very little. Since the first of this year, the Dow Jones Industrial Average is ahead by 2.5% while the broader S&P 500 is down 3.68%. Many potential pitfalls remain, of course, so we're skewing most clients' portfolios toward the risk-averse end of the spectrum.
2 - Our office will be closed this Friday and next Monday for Christmas.
3 - From all of us at Millard & Company -- Juliet, Michele, Bonnie, Sharon, and me -- we wish you a holiday filled with peace, joy and love.
Have a blessed week and a Merry Christmas!