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I read an article earlier this week that was written by one of the “talking heads” on CNBC (one of the “talking heads” that I really enjoy listening to, by the way) and it made me think.  He wrote about the “Quarterly Investment Letter” and how it has quickly become a thing of the past – and that it is absolutely OK.  I agreed with most of what he wrote about how times have changed and continue to change at a rapid pace, and how the Quarterly Letter is not what investors and clients are looking for these days.  That makes perfect sense to me, but then I scratched my head and wondered, “Well, is that true about our clients?  What do they really want from us?”  So, that’s what inspired my focus for this month’s letter to you.  The older I get and the older my two children get, the more I realize that while my opinion does matter, it doesn’t matter nearly as much as I might like to think it does J  –  and that is absolutely OK, too.

Now, let me start by stating that I don’t consider what I am writing here (this February edition of the Blue Heron) to be a Quarterly Investment Letter or even an Investment Letter at all.  I think you all would wholeheartedly agree that, as your financial advisor, it would not in any way be a good use of my time to try and recap with any sort of detail and accuracy what has happened in the markets over the last 30 days, let alone the last 12 weeks.  These days, it’s hard enough to keep up with what has happened in just the last 24 hours.  The world is moving way too fast for anyone to be satisfied with what I would be able to put together, and my commentary would not hold a candle to some of the wonderfully talented writers that are spending all of their time, energy, and focus on the content that they are creating.  With a Google search and a few clicks of the mouse (or taps of the finger), we all have access to the best and brightest minds and their opinions on what is happening and what may happen with the global markets.

 Rather than putting the time, effort and focus into those types of inbox-clogging, quarterly newsletters, our goal is to sift through the noise and those “heavy” articles to find and share insights that are relevant, interesting and helpful to you.  Along those lines, we’d love to hear from you and learn more about what you’d like to see from us.  We promise to take all suggestions and even criticisms in the constructive manner in which they are written, so please don’t hold back – your feedback will be tremendously helpful!

 We hope to see our local clients at our upcoming Big Ideas 2019 event on Tuesday, April 2nd.  We’re putting the finishing touches on the presentation, and we think it will be a worthwhile and educational evening.  Feel free to invite other interested family members or friends, too.  Keep an eye out for an email invitation in the upcoming weeks.

As always, if there is ever anything that we can do to be of service or assistance, please don’t hesitate to get in touch with us.

Kind regards,


Todd M. Wike, CFP®
Managing Partner, Potomac Financial Group
2018 RJFS Chairman’s Council Member*


The information contained in this material does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Todd Wike and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor’s results will vary. Past performance does not guarantee future results. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Chairman’s Council Membership is based on prior fiscal year production. Re-qualification is required annually.