In my experience, when we focus on planning, partnering, and patience, then we create the conditions for which there can be a sense of peace around your financial plan. Goal-focused financial planning allows clients to concentrate on reaching their intensely personal goals and not necessarily how markets performed in any given year. We control what we can, but ultimately the degree of success a financial plan achieves will depend, in part, on circumstances and events that we cannot control. We cannot control financial markets, terrorism, natural disasters, tax laws, oil prices, interest rates, or war. But we can control - and we must control - our emotions around our investments, and a goal-focused financial plan helps clients do just that. In addition, we must show commitment and faith in capital markets and the principles of free societies that allow talented, smart people to implement their ideas through the process of business collaboration. When done properly, these people ultimately create a better life for us and our families by developing new and improved products and services. If we believe this - and this is the only sane belief - then we are showing faith in other human beings and their ability to create real, genuine, sustainable value. As investors, we have historically profited from their efforts over time even though we might be uncertain of outcomes. And this, my friends, is why we invest.