Current market conditions and Coronavirus concerns aside, we hope you’re well. We at IFAM are writing for two reasons:

1.    We realize these are challenging times and it’s very understandable for investors to feel anxious.

2.    We want you to know that we are here for you.

While no one can control the markets or eliminate volatility, it’s important to note that your portfolio was constructed with your goals and approach in mind.  We implemented a broadly, thoughtfully diversified strategy intended to help you meet your objectives and experience less downside compared to an all equity portfolio.  In turbulent times we believe it’s essential for us to communicate and provide meaningful information. As such we encourage you to view the attached update.