All asset classes rallied during the 4th quarter,contributing to a strong year for markets.

As the horrific events in the Middle East continue to develop and command the world’s attention,economic issues may seem relatively unimportant. However, the Israel-Hamas conflict createsgeopolitical risks with potential global economic consequences.

Overall, asset classes were challenged in the 3rd quarter.

With September drawing to a close, it has become more likely that the federal government will close its doors; at least temporarily.

Establishing a thoughtful withdrawal strategy is essential to provide the income needed to fund retirement.