Market volatility can be unsettling—but long-term financial success is rarely built on short-term reactions.

In this episode of the Women’s Money Wisdom podcast, Melissa Joy, CFP® addresses the emotional and financial challenges that often arise during market downturns. As markets enter bear territory, many investors may feel inclined to make significant changes to their portfolios. Melissa encourages listeners to take a step back and revisit their overall strategy, focusing on long-term planning rather than short-term uncertainty.

She discusses general principles and planning considerations that can help investors stay grounded, including the potential benefits of maintaining diversified contributions, reviewing withdrawal strategies, and exploring financial planning opportunities that may arise in volatile environments.

This conversation is not a recommendation or a forecast, but a reminder that financial decisions are best made from a place of clarity, not fear.

Don't forget to check out the most recent Pearl Planning blog with more on tariffs and current market conditions. View here.

Topics Covered:

📉 Why emotional responses to market movements can lead to unintended consequences
 📊 How continued contributions during down markets may support long-term goals
 📋 Considerations for tax-loss harvesting, Roth conversions, and estate planning in down markets
 🧠 Understanding the emotional side of investing and building financial resilience
 ⚖️ The value of small, intentional adjustments over reactive decision-making

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