Paraphrase Sir Isaac Newton's Law Of Inertia

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We have all heard that ‘change is constant’. Yet, as January fades into February (along with our New Year’s resolutions), it is easy to fall back into the swing of regular habits and daily rituals while overlooking the daily opportunity to make a change. There is a word that describes this state of mind - inertia.
To paraphrase Sir Isaac Newton’s law of inertia, an object at rest will stay at rest and an object in motion will stay in motion until acted upon by an unbalanced force. In a vacuum, inertia doesn’t sound all that bad. However, if you miss out on planning opportunities today because you were either at rest or in motion (either way ignoring the need to plan), that same inertia will bite back hard when any number of ‘unbalanced forces’ come calling.
For example, if you are considering retirement in the next 3-5 years don’t get lulled to sleep by today’s market, now is the time to review your portfolio’s asset allocation and your initial retirement spending plan. (If you are considering retiring in the next 1-2 years and have not done this, then you need to act today.) Studies have shown that asset allocation accounts for about 90% of return variance in your investments. Most importantly, asset allocation is crucial to risk management and generating cash flow via total return to meet your spending needs. Are you currently managing risk?
The current bull market is almost 9 years old, has had incredibly low volatility in the last year, and the S&P 500 has not had a

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