Mindset is crucial when planning

Investors have been on the stock market and interest rate roller coaster so long they may feel as though they have gone mad. Planning around continued volatility is a challenge unless you are committed to updating goals at least annually.

People who stick their heads in the sand and avoid planning “until the market settles down” are missing opportunities and are likely to go o track. is could take years or never rectify once you lose focus.

is is one of the many reasons why the Board of Certi ed Financial Planners has added psychology as an important component of nancial planning. Until the advisor and client can discuss fears, con icts, money beliefs and biases openly, it will be difcult to stay on track or even build the right kind of plan.

It is not easy to discuss these things, such as:

— Your rst recollection of money

— Your money story, beliefs, con-

Letters To The Editor

Disappointed in Marshall

When Democrats in the state legislature unveiled plans to consider an assault weapon ban, Rep. Bob Marshall, a Democrat representing Highlands Ranch, declared he does not plan to vote for any bills to enact stricter gun laws.

Rep. Marshall barely won his race in Highlands Ranch; once all ballots were counted, a mere 405 votes out of 45,349 cast separated Marshall from his opponent. at victory belongs to all the volunteers energized by his campaign. Every e ort truly made the difference. ose same volunteers are highly motivated by reducing gun violence. If Bob Marshall has declared he will dismiss all stricter gun safety laws without consideration, then those volunteers will not make the mistake of supporting him twice.

If you were to draw a map of members of gun violence reduction groups in Colorado, a disproportionate number of them are in Rep. Marshall’s district. It is no surprise because it contains the location of the STEM Highlands Ranch shooting and the apartment complex where Deputy Zack Parrish was murdered; along with its proximity to Columbine High School and the Aurora theater shooting. ese are only the most notable, nearby examples of a gun violence pandemic plaguing the entire country year after year.

It is reprehensible that Marshall