My wife, Taylor and I have four kids under the age of eight. Our house is a mix of chaos, laughter, tears, and joy—often all at once. I wouldn’t trade it for the world. If you were to stop by on any given day, you’d likely see a lot of things, but one thing is certain: at some point, every one of our kids will fall and get back up—probably more than once.
That’s just what kids do. They fall. And then they get back up.
The stock market works in much the same way. There are periods of falling and periods of rising—or, in other words, getting back up.
At FRA, one way we help you stay on track is through regular portfolio rebalancing. Our last rebalance for our advisory qualified accounts was April 8th, 2025 which coincidentally marked the bottom of a significant pullback in the S&P 500. Since then, the market has “gotten back up,” with many indices hitting new all-time highs in September 2025. On September 8th, 2025 we rebalanced again—this time to lock in gains and bring portfolios back in line with their targets.
Of course, no one knows exactly what comes next. You can always find voices predicting both a bull run and a bear market. That’s why we remind our clients: it’s not about timing the market, but time in the market. Our focus is on keeping a long-term perspective and ensuring your portfolio consistently reflects your risk profile—so you can stay invested through every cycle.
Your FRA team remains committed to guiding you through the inevitable “falls” and “get back up” moments in your financial journey. As always, please reach out if you have questions, concerns, or would like to discuss new opportunities or changes in your life in more detail.
Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.