After three straight years of 15%+ S&P 500 returns, investors have enjoyed a strong run. But as we head further into 2026, the focus shifts from excitement to preparation. In this episode, David and Brandon discuss: Why this stretch of market performance is historically rare Why volatility may increase The importance of true diversification (and why more funds doesn't always mean diversified) Why inflation could be the biggest long-term risk Why this is a planning environment not a panic environment It's all about protecting gains, staying disciplined, and making intentional decisions for your financial future.