4061 Powder Mill Road, Suite 705 • Calverton, MD 20705 • Phone: 301.595.8600 • Toll Free: 877.595.8605

Everyone here at PFG has also been excited to introduce all the steps to our clients during recent checkpoint meetings. We have received a lot of positive feedback, not only about how comprehensive the Freedom7 process is, but how the steps help make the entire process less complicated. As we wrap up the launch of Freedom7, our last feature is the PFG Planning Dashboard. We saved this step for last since it truly serves as the backbone for all our planning and is essentially a visual checklist of all the components that go into our Freedom7 financial planning process. As we review the many pieces that make up your financial plan, we’ll be able to check off when a planning area is complete. You may have heard us say this before, but our goal is to “leave no stone unturned.” To read this month’s feature, click here. 

Fortunately, I haven’t had to address too much volatility in the markets in my monthly feature during the unveiling of Freedom7. While most of our monthly features of Freedom7 in past editions of The Heron were written during relative calm in the markets, we are starting to see some market fluctuations, and as we all know, there will be the inevitable ups and downs. Recent talk of recession, trade wars and even lower than expected new jobs in August create fear and uncertainty. When it comes to our investments, there will always be a great amount of speculation that fuels our emotions and the last thing you want to do is make difficult financial decisions during a downturn in the market. Having the right stock and bond mix is essential and getting that allocation right is a part of having a comprehensive financial plan as the best defense when there’s volatility. From understanding your risk tolerance to having the right asset allocation, we’ll use the Freedom7 process to help give you the confidence that you are situated appropriately for market ups and downs.

We also believe there’s a personal side to financial planning and a big part of making sure that your financial plan is in order is providing exemplary client care. We pride ourselves in not only having financial planning expertise, but in also being a part of a team that truly cares about our clients and is passionate about helping them achieve their financial goals. We have a fantastic team at PFG and over the next few months, we will feature a spotlight of each team member. This month, we are featuring a long time employee and PFG team member that wholeheartedly embraces clients with care and provides the utmost in service every day. Click here to read more about Sara Lempa.

If you haven’t been in the office for a checkpoint meeting recently, please give us a call at 301.595.8600. We would love to see you, and more importantly, make sure that your allocations still make sense. If you think friends or family may benefit from meeting with us, please don’t hesitate to connect us. To read more about Freedom7, click here.

As always, please don’t hesitate to let us know if there is anything we can do to be of service or assistance.

We hope to see you soon!

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. Raymond James is not affiliated with and does not endorse the services or opinions of the various podcasts or applications discussed in this material. Chairman’s Council Membership is based on prior fiscal year production. Re-qualification is required annually.