We are often told that, 'The markets always recover', and, 'It's Time IN the markets that matters, not TIMING the markets'. I respectfully disagree with BOTH of those statements. Many residents of Clearfield, Jefferson, Elk and Centre Counties may not be able afford to wait for a market to recover. Consider this: On an inflation adjusted basis, it took the market 59 years to recover from the crash of 1929! To be sure, it did recover, but not in time to matter to those investors in DuBois and surrounding areas. If you're the client of an Oreo Advisor (a traditional advisor who practices old-style asset allocation, just like almost every advisor in the business), don't be like this fellow, who's been waiting a long time for his accounts to recover! Give us a call today and let us show you the potential benefits of Riding the Bull, but Preparing for the Bear.