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Robert L. Davis, CPA
Financial Advisor
Crystal D. Davis, CFP®
Financial Advisor
Davis Financial Services, LLC
Park Place Professional Center
5871 Allentown Road
Camp Springs, MD 20746
Phone: 301-702-9300
Website: davisfinancialsvcs.com
September/October 2026
Timeless Investing Strategies for Any Market
It may be hard not to throw in the towel when the markets aren't performing well. And it's just as hard to imagine the markets will ever lose value when stock prices soar. But because no one controls market behavior, you'll want to devise a plan to stay invested no matter what the markets do.
Down Markets - A Time to Buy
Watching stock values drop isn't fun, but lower prices offer an opportunity to buy at bargain prices. If you've been eyeing companies to add to your portfolio but hesitated because the share price was too high, a down market may be the time to make your move.Forget Market Timing
Every stock investor wants to buy low and sell high, but trying to time the market can be a losing game. Even market gurus generally can't determine with 100% accuracy when stock prices have peaked or hit rock bottom. Being out of the market when it begins to rebound can lead to significantly lower returns. Instead of playing market roulette, develop an investment strategy to help sustain your portfolio during periods of market volatility.Time for a Roth IRA?
If you've considered rolling over funds from a traditional IRA or another tax-deferred retirement account into a Roth IRA but were concerned about the tax hit, a lackluster market may present an opportunity. You will pay less in taxes on the conversion when investment values are down. Roth IRA earnings grow tax-free, and withdrawals in retirement, although not required, are also tax-free. Some restrictions apply.*Market Volatility
A volatile market can be an opportune time to help ensure your portfolio aligns with your future vision. Make sure your investment mix helps curb volatility. Your financial professional can review your investment strategy to help ensure you're moving closer to your goals.*Conversions are taxable events. Roth IRA withdrawals are tax-free if the plan has been in place for five tax years and the distribution is made after age 59-1/2, due to death or disability, or for a first-time home purchase (up to a $10,000 lifetime maximum). Distributions may be subject to state taxes.
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Davis Financial Services, LLC and LTM Marketing Solutions, LLC are unrelated companies. This newsletter was created by LTM Marketing Solutions, LLC and was not written or created by the named financial professional and does not necessarily represent the views and opinions of Cetera Wealth Services LLC or its subsidiaries.
Securities offered through Cetera Wealth Services LLC, member FINRA, SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. Rebalancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
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