Now is the Time to Examine Your Investment Strategies

Ryan Wealth Management is here to help guide you through stormy economic seas.

Have you ever gotten a virus? If so, your doctor probably recommended the basics: get some rest, drink plenty of fluid, and take Ibuprofen as needed. If all goes as expected, you should be back on your feet in about 10 days. The problems afflicting the current market - the sub-prime mortgage crisis, the credit crunch, and an economic downturn - are similar. There is no quick fix.

You just need to remember the basic principles of investing:

Adopt an appropriate asset allocation strategy

A well allocated portfolio includes diverse types of assets - such as stocks, bonds, cash, real estate, and others - that respond differently to market events. In general, an investor's allocation should become less aggressive as he or she gets older. However, longer life expectancies and varied retirement ages make it important to assess your individual needs carefully.

Rob Ryan at Ryan Wealth Management offers a complementary review of your investment asset allocation, ask us for it, maybe a change is needed.

Select diverse investments

If your doctor recommended that you drink lots of liquids, you could have ginger ale, orange juice, water, tea, or other options. It's the same with investing. Each asset class includes many sub-classes. For example, a portfolio may include larger or smaller companies in the United States or overseas. Owning a variety of investments within an asset class can help reduce overall fluctuation in the value of a portfolio, even if it does not protect against loss in a down market.

Reducing risk and volatility can make your journey more comfortable. Ask Rob Ryan and the team at Ryan Wealth Management to help.

No matter how unnerving the market's downturn, history supports the idea that staying the course - with a well-allocated and diversified portfolio selected for your risk tolerance and investment horizon - is a sound way to pursue long-term financial goals. If you would like to review your portfolio or have questions about recent events, please call Rob Ryan at Ryan Wealth Management. We look forward to talking with you about the potential opportunities of the current market.

With any investments, past performance is not a guarantee of future performance. Risks associated with investing include the potential for declines in investment values due to market losses.

Ryan Wealth Management Offers Our Clients:

• Investments*
• Mutual Funds*
• CD`s*
• Municipal Bonds*
• Government Securities*
• Managed Accounts
• Insurance
• Business Key Employee
• Long-Term Care/Disability
• Life Insurance
• Variable Life Insurance*
• Stocks*
• Bonds*
• Money Market Accounts
• Check Writing
• Annuities Fixed Variable*
• Retirement Accounts
• IRA`s
• Roth IRA`s
• Managed Accounts
• Business Plans
• 401(k)
• 403(b)
• SIMPLE IRS`s
• SEP`s
• Money Purchase
• Pension
• Profit-sharing
• Custom Plans

*The Financial Advisors at Ryan Wealth Management, Inc. of  Yuba City, California offer securities products and services through Royal Alliance Associates, Inc., a registered broker-dealer and registered investment advisor, Member FINRA, SIPC.

Ryan Wealth Management

463 Century Park Drive

Yuba City, CA 95991

(530) 671-2100

www.ryanwealth.com