Wealth Beyond Riches: Building Prosperity With Purpose, Values, and Impact

Weathering Market Storms: How Behavioral Biases Impact Investors (Ep. 31)

• Abbey Henderson, CFP®

Share episode

Is the market making you want to panic-sell everything and hide? Take a deep breath—Abbey’s got you.

In this episode, Abbey Henderson, CFP®, CEO Wealth Advisor & Coach, discusses the emotional side of investing during turbulent times. She explains why market swings are normal and how to keep your cool (and your financial plan) intact.

Key conversation points in this release include:

  • Volatility is part of the process: Market shifts are expected. Use this time to build resilience [07:59]
  • Recency bias can trip you up: Just because the dip feels dramatic doesn’t mean it’s rare [12:25]
  • Good habits matter: Set up smart financial systems during calm periods to rely on in chaos [26:05]
  • Focus on alignment, not just returns: A plan that reflects your values will hold up when markets don’t [28:19]
  • And more!

Connect with Abbey Henderson: 

Voiceover [00:00:01]:

Welcome to Wealth Beyond Riches with Abbey Henderson, CEO, Wealth Advisor and coach at Abaris Financial Group. In this podcast, we help generous, fun and passionate professionals overcome their biggest financial concerns while leveling up their lifestyles based on their values. We do this by exploring the five levers which represent the diverse resources each person possesses throughout their lifetime. These levers encompass finances, health, mindset, relationships and time, offering a holistic approach to personal development and growth. Join us on this transformative journey as Abbey and her guests draw from years of experience to guide you in achieving your life goals while staying true to your values.


But that's not all. This podcast will equip you not just to build personal wealth, but also to understand how your prosperity can contribute to the betterment of the world around you. By exploring strategies for giving back and making a positive impact, we'll empower you to create a life of significance and leave a lasting legacy of positive change.


Wendy McConnell [00:01:08]:

Hello and welcome to the Wealth Beyond Riches podcast with your host, Abbey Henderson, where we talk about enriching your life in every way. I'm Wendy McConnell. Well, hey there, Abbey. How are you?


Abbey Henderson [00:01:20]:

I am well.


How are you?


Wendy McConnell [00:01:21]:

I am good. You know, it's springtime now. We're in the thick of it. I've got the bugs everywhere.


I mean, I just can't wait to.


Abbey Henderson [00:01:29]:

Get outside if it would just stop raining. Is it raining where you are?


Wendy McConnell [00:01:33]:

No, but when it's not raining, we have these little. They call them no see ums.


Have you ever heard of them? They're like little gnats, but they bite you.


Abbey Henderson [00:01:43]:

Yes. Around here, at least parts of here, we call them midges.


Wendy McConnell [00:01:49]:

Midges.


Oh, I like that so much better because people are like, what's a no, see, I'm. And I guess it's because they're hard to see. I don't know.


Abbey Henderson [00:01:56]:

Yeah, they are tiny.


Wendy McConnell [00:01:57]:

Yeah.


So.


Abbey Henderson [00:01:58]:

But they pack a big bite for their size. Oh my gosh.


Wendy McConnell [00:02:01]:

There's times when my husband. It's covered in little bites.


But anyway, I digress.


Abbey Henderson [00:02:08]:

It is the way the market is. It's. It's kind of nice to be digressing, isn't it?


Wendy McConnell [00:02:12]:

Yes.


So, yeah, the. The market's been in the headlines quite a bit lately and I'm wondering, how are investors supposed to make decisions with everything that's going on?


Abbey Henderson [00:02:28]:

Yeah, well, so we did a podcast recently about some tactics to survive the market volatility. And, you know, I thought we could do have a follow up conversation, you know, because there's no question that this environment is super emotional. For a lot of people, for a lot of reasons.


And it's. The more emotional feeling a situation, any situation is, but especially around the markets and investments and finances, the greater the challenge to staying objective.


Wendy McConnell [00:03:06]:

Yeah. Because this time feels different.


Abbey Henderson [00:03:09]:

I think we said that last time.


Yeah. The most dangerous words. This time is different.


Wendy McConnell [00:03:14]:

Yeah. That they say that every time.


Every time. It is not as different as we think it's going to be.


Abbey Henderson [00:03:21]:

So it isn't. And it does. I mean, we do have to acknowledge it does feel different every time.


Like, it's not a lie. It's just. It's. That example of that is all true. And don't make a decision based on that.


Wendy McConnell [00:03:35]:

Okay, so what do we have to focus on then?


Abbey Henderson [00:03:38]:

Yeah, I mean, I think part of it is. Part of it is how do we stay calm. And that's a lot of sort of what we talked about last time. And then I think part of it is awareness.


And one of the things that I think is useful is to talk a little bit about behavioral finance, because that helps us understand a little bit how our brains work. Because our brains are always looking. You know, it's biology to a large extent, and our brains use the most energy of any part of our body. So anytime your brain can, you know, take a shortcut, it will, because it saves energy. So that's, you know, one piece of it.


Another piece of it is we're also just wired to make predictions, and a lot of that is why we have emotional triggers. So, you know, understanding these things and understanding, you know, what some of common investor biases are can help us just maybe take a step back, look at what we want to do, and have a different perspective on it.


Wendy McConnell [00:04:48]:

So.


Abbey Henderson [00:04:49]:

And, you know, it's true of any of these situations, whether it was the pandemic in 2020, whether it's, you know, sort of the chaos in 2025. Although, thankfully, it's been.


It's been an okay week, or last two weeks, I guess, have been so far, I would say maybe not good, but at least calm.


Wendy McConnell [00:05:08]:

Less.


Abbey Henderson [00:05:08]:

Less volatile.


Wendy McConnell [00:05:10]:

Okay, we'll go with that. Yeah.


Abbey Henderson [00:05:13]:

Yeah.


Wendy McConnell [00:05:14]:

So what are some signs, then, that we might be making our decisions out of emotion without really even realizing it?


Abbey Henderson [00:05:21]:

So there are a lot of signs. And I think the place to start, the police part, I think, is just looking at behavior. What?


Behavioral finance. And what is behavioral finance? So traditional finance assumes that we are all very rational. So, like, you think back to your economics class or your finance class in college, and it's a lot of. It's based on all of us thinking logically, acting rationally.


Yeah, no, no, it doesn't really work that way. Well, you want actually, you know, in fairness, it is.


Our brains believe it's rational in the moment.


Wendy McConnell [00:06:03]:

Yeah.


Abbey Henderson [00:06:04]:

So it maybe it isn't fair to say we don't act rationally because it does seem very rational at the time. Behavioral finance is sort of layering in a level that, that acknowledges that we are human. That emotion is going to factor in to some degree in almost every decision.


So for example, you know, one thing we all know is that we should buy low. So buy a stock at a lower price and sell it when it's at a higher price.


Wendy McConnell [00:06:35]:

So easy.


Abbey Henderson [00:06:36]:

So easy. If only.


So behavioral finance explains what would look like irrational behavior when you, you're watching the market take off and you're like, I want in on that. And you end up buying high. And, and then 2025 happens, and then you panic and say, oh my God, the world is ending. And then you sell low, which happens. It, it happens a lot.


Yeah, happens a lot. I look back, so I've been doing this a long time. I've been doing this since 2001. So, you know, I've seen the tech bubble and I've seen the great financial crisis of 2008 and 2009 and Brexit and the pandemic. And you know, when I look back and think about clients and prospects where things haven't gone as well as they could have, it is almost always related to making an impulse, emotional decision.


So I think that we certainly can't always control our response to everything, and we definitely can't control markets or, you know, what's going on in the world today. But we can at least work towards being more aware of what we're doing and why and at least try to start making some changes from there.


Wendy McConnell [00:07:59]:

Well, I mean, if things were set up correctly, if things were set up the way that they're supposed to go, we should be in a place where we can ride out any market volatility because we're supposed to have, you know, a certain amount of money that we draw from in the short term and then we have like a middle term bucket, so to speak. And then there's the long term plan and that's where we've got the plate, that's where we've got the money in the volatile place that will be able to bounce back. But again, that's only going if everything's set up the way that it's supposed to originally.


Abbey Henderson [00:08:31]:

And you maintained it and kept it there.


Wendy McConnell [00:08:35]:

You're right. Yes. Those are important factors, too.


Abbey Henderson [00:08:38]:

Yes.


Wendy McConnell [00:08:42]:

Okay, so what do we keep in mind then?


Abbey Henderson [00:08:44]:

I have my top five investor biases to watch out for, and these are all things you're going to be like, yeah, of course I know. But hopefully, now that you've heard, you know, our listeners have heard them, they'll now catch themselves because a lot of these things happen, and you're not even really fully conscious or aware of it. So the first bias to look at is loss aversion, and that is the concept that losing money, like the pain of the loss feels worse than the dopamine hit you get from gaining. I don't know if you've ever.


Have you ever sort of.


Wendy McConnell [00:09:26]:

With money, you know, it can probably.


Abbey Henderson [00:09:30]:

Be to some degree, with anything.


Wendy McConnell [00:09:32]:

Yeah, because that's what I was thinking. I was like, you know, when you.


I was thinking about a breakup, is that as. Is that as hurtful as the joy is when you find love? And I'm like, I don't know, you know, you find love. That's pretty. That's pretty darn joyful.


Abbey Henderson [00:09:45]:

Well, and part of that's probably a timing thing, right? So by the time you break up, it might feel, you know, so much worse because the joy of that moment early on is already. Which we'll get to. That's actually a different bias.


Wendy McConnell [00:10:00]:

Okay, I'm sorry.


I'm. I'm jumping all over the place.


Abbey Henderson [00:10:03]:

No, no, no, no. But it is a good point. So, like, this comes up a lot in planning.


When, for example, I have a client that has a lot of things, say, company stock. And when I say a lot, I mean like an outsized amount of it relative to the portfolio. So if that company doesn't do well, it's really going to hurt their portfolio. But those people are often working in a company that has done really well and the stock has gone up a lot, and they kind of want to hold on to it, or even a lot want to hold on to it. And my conversation with them is, well, okay, so what's.


Tell me, if you were to lose 50%, is that going to feel worse than maybe missing out on some upside and that people don't always believe it? But having watched clients go through this, it's almost always true that the pain of it going down if you held it too long, is always worse.


Wendy McConnell [00:11:05]:

Okay. All right, good to know.


Abbey Henderson [00:11:08]:

So I think this can help in a couple different ways.


One is it can help you dial in what your risk tolerance is by thinking this through before there's an issue. But I think being aware of this, when the market goes down, if you, if it is feeling painful, that makes sense. So, you know, one thing you can do is to, you can reframe your. This loss as being temporary, which it almost always is if you can stick it out. And of course, temporary depends on, you know, a variety of things.


If you look back at the pandemic, the market was back in the same year. That is not always true with every downturn. But as you said, if you're a long term investor, you have time for this to bounce back. And, and then I think the other thing to keep in mind is, and we'll talk about this more, but when your plan is based around your values, that's also a little bit easier to, to weather some volatility if you can sort of anchor yourself to that.


Wendy McConnell [00:12:12]:

Okay, you're going to have to tell me more about the values, but all right, please proceed.


My value is I would like as much money as possible while putting in as little as I ha. As I can.


Abbey Henderson [00:12:25]:

You actually alluded to this next one, which is recency bias. So thinking that the recent performance or the recent breakup or you know, whatever it is that is most fresh in your mind actually predicts the future. So we often assume, our brains assume that what's happening now will actually continue. Which is part of why if there's a loss now, it feels like it's going to just keep going down and down and down. And I might have said this on a previous episode, but in 2009, I remember having a client who said that we, he was a doctor.


He said we will never see Dow 14,000 again in my lifetime. And he was in his 50s.


Wendy McConnell [00:13:13]:

Wow.


Abbey Henderson [00:13:14]:

He was really wrong. So that is like, I kind of feel like that is my classic example of recency bias.


This.


Wendy McConnell [00:13:22]:

Yeah. And, and that was in the 2009.


Abbey Henderson [00:13:25]:

That was back when we were seeing like people were worried about bank runs and.


Wendy McConnell [00:13:30]:

Right.


Yeah.


Abbey Henderson [00:13:31]:

And the money market funds going below a dollar.


Wendy McConnell [00:13:34]:

And I was just curious to what the average was around that time because, you know, we were up to 45, 000 just recently. Yeah. So I mean that's a huge difference.


Abbey Henderson [00:13:44]:

I always wonder about him and wonder if he got back in the market. I sure hope he did.


Wendy McConnell [00:13:48]:

Yes.


Abbey Henderson [00:13:50]:

So that, you know, that's recency bias. So you know, the way if you, if you catch yourself sort of falling into that trap, then I think the things to remember are you can always, you know, go back to all the graphs that all emphasize that every time market goes down, it comes back.


Review your plan. So instead of just like, looking at what's on your screen in terms of what's in your portfolio, take a step back and say, what does my plan actually look like? Because hopefully in most cases, you built a plan that allows for some wiggle room for exactly this reason.


Wendy McConnell [00:14:28]:

Okay.


Abbey Henderson [00:14:29]:

And then the last thing is to go back and look at your returns over, say, the last three years or in the case of today, even when people go back and look at their returns since the beginning of 2024.


So, like 18 months, most of their portfolios are very. Are still very up because 2024 was a good year. So certainly 2025 has been dramatic. But, you know, take a moment to just get out of this very intense moment and zoom out and look at the big picture.


Wendy McConnell [00:15:02]:

Keep in mind that you're probably up from where you were a year ago, regardless of what's happening now.


Abbey Henderson [00:15:07]:

Exactly.


Wendy McConnell [00:15:07]:

Okay.


Abbey Henderson [00:15:08]:

Exactly. The next one is herd mentality. So doing what everyone else is doing feels safer, which, of course makes sense.


Our brains are very much sort of evolutionary wired to, you know, being with the group is safe. And so, you know, it makes sense that we feel that way. And that's what we see in down markets with panic selling. You know, I was at a investment conference, I guess now, I guess the beginning of April, and the person said from the stage, I've never regretted investing when effectively the fear of volatility index was very high, so when the Vix was over 40. So, you know, that's the perfect example of the herd is.


Is starting to panic and is going off the cliff. And a smart investor says that could be indication of being somewhere in the ballpark of maybe the bottom.


Wendy McConnell [00:16:11]:

Okay.


Abbey Henderson [00:16:12]:

You know, there's. There's so much to be said for having a process, following it with discipline, and not listening to what everybody else is doing.


Wendy McConnell [00:16:23]:

Okay, so don't pay attention to what your neighbor's telling you, your co workers telling you, your dad's telling you. Call your advisor.


Abbey Henderson [00:16:32]:

Well, that's even better.


Wendy McConnell [00:16:33]:

Yes.


Okay.


Abbey Henderson [00:16:38]:

All right, the next one is confirmation bias. So our brain is always seeking out data that confirms what we already think. It. It's just it again, it sort of goes back to what's the path of least resistance for your brain.


And it honestly, it feels good to have what you think confirmed.


Wendy McConnell [00:16:59]:

Well, yeah, I mean, I like that a lot.


Abbey Henderson [00:17:01]:

Yeah. I mean, I think we all fall into this. It requires much more effort and work to go out and Seek other opinions and evaluate them.


And yeah, I get they're wrong. I'm right, totally, totally. But it's, you know, I'm, I'm sort of seeing it now. So if I have a client that I know is already predisposed to be worried about, for example, tariffs, you know, they'll, they'll come back to me and say, you know, I've seen these five articles, and they all say that, you know, all these tariffs are going to lead to so much inflation. And I can usually come back to them with five more articles that say something that is either much more moderate or even the opposite.


Okay, so again, it's, it's certainly human nature to do this, and I think we all do it in multiple ways all the time. But I think it's important, you know, the way to sort of solve for this one is to surround yourself with diverse perspectives. Try to be, I guess I should say, try to become more aware of your blind spots. And whenever you feel really sure about something, maybe ask yourself, yes, and what else could be true?


Wendy McConnell [00:18:20]:

Yeah, I really like that.


What else could be true? That's really good. Yep, it's, it's an easy way to remind yourself that, you know, even though your opinion is good for you, it doesn't mean that it's the right thing for everybody else.


Abbey Henderson [00:18:36]:

Exactly, exactly. And, you know, I think we've said this before.


I think there's so much value in trying to keep things a little bit lighter, a little bit less serious. It just, just bring more curiosity to things. And I think that it just improves your perspective. Even if you end up staying in the exact same opinion, that's totally cool. But at least, at least you've considered other options.


Wendy McConnell [00:19:01]:

Stop being such a. Know it all.


Abbey Henderson [00:19:03]:

Which leads us to our next one. Overconfidence.


Wendy McConnell [00:19:08]:

It's not overconfidence if I'm right.


Abbey Henderson [00:19:11]:

Well, there, there is some truth to that. I think this one actually applies.


Wendy McConnell [00:19:19]:

To.


Abbey Henderson [00:19:19]:

Bull markets than bear markets because it is very easy when, you know, stocks are just going up, up, up, up, up, up, up to be sure you know what you're doing. And, you know, why wouldn't I want all, you know, tech stocks? That's where all the money is, and that's where all the performance has been. And I'm sure, I'm sure this is true.


And, you know, sometimes not listening to professionals like your advisor and being so sure you know, what's right can be to your detriment. So, you know, I think that it's, it's just I think a matter again, of some awareness. So, you know, look at your last, your past decisions. Be thoughtful. What's worked, what hasn't, if it hasn't.


Well, actually, in both cases, whether it's worked or not, why did it work well or not work well? So much, as I said of financial planning and investing is having a process and the discipline to some degree, I have no problem if you're confident in that. Where it starts to get a little iffy is if you are sort of following down one path that has risk involved, sort of going back to that tech example. You know, the best investors, as I said, are process driven. They're not chasing specific outcomes.


And, you know, I think since he's been in the news lately, one of the investors that best exemplifies that is Warren Buffett. You know, he is. He has been so disciplined, you know, and everyone says, well, but he's a. He's accumulating all this cash. You know, he must think the market's going down.


No, he was just following his process. He had a very, very large position in Apple. It got to be too large because Apple had done so well. He cashed out of that, and then he. His process is to find undervalued stocks, and he couldn't find any.


So he didn't just throw it in the market or throw it in something that, you know, everyone thought would be a good investment. He's sticking to the plan. And he'll be the first to say, as soon as I see a company that, you know, meets my criteria, I'm going back into the market. I still think the US Is the best place to be in investing. So.


Wendy McConnell [00:21:40]:

So when you say process driven, then you're saying that, you know, his process is to stay in a, you know, very publicized stock until it gets to be a certain amount that. That might be too big to, you know, stay all in to that, sell it, and then look for smaller, like so. So just kind of dig in a little bit to what process driven means.


Abbey Henderson [00:22:05]:

Yeah, so I think it's having a philosophy and sticking to it. So Warren Buffett is more of a value investor, so he's looking for companies that he thinks actually have a greater inherent value than perhaps even the market is acknowledging.


And so he might sell a stock if it got too big. He might sell a stock if it got very overvalued. You know, there are a lot of reasons why he or any investor might reduce exposure to a holding. But I think the key learning in his case at the moment is that he's not holding cash because he doesn't believe in the US economy or the US Stock market. He's just waiting for the opportunity to implement his process.


Wendy McConnell [00:22:54]:

The next part of his process.


Abbey Henderson [00:22:56]:

Exactly.


Wendy McConnell [00:22:56]:

Yeah. So how do we protect ourselves from, you know, falling into these traps without obsession, obsessing over every decision? Because I'm very good at that.


Abbey Henderson [00:23:05]:

Oh me, me too. I am a queen overthinker. So it partially, as we've said, awareness is your first step. You can't make other choices if you're not aware of what you're doing to begin with. So step one is awareness.


As we've said over and over again, I think really understanding your values and how they are sort of either being honored or not honored is helpful because I think that sort of provides you, your, your compass when you're making decisions. So, you know, one example for that is I have a lot of clients who do socially responsible investing. So they're looking for, they would like their portfolio to be made up of companies that are more environmentally conscious, maybe avoiding some of the more controversial sectors, just looking for sort of, I guess, good, good stewards of the world and of their companies from a, from a variety of standpoints, environmental being one of them. So I'm seeing a lot of clients right now. Even though there could be some headwinds against those types of companies, given the current administration saying that's okay, I'm more committed than ever to, you know, pursuing that type of investment strategy.


So that's an example of where I think, you know, being clear about your values and how they might be expressed in this case in your investments can give you some confidence and some comfort, I guess, in, in sort of staying the course.


Wendy McConnell [00:24:51]:

So it's not always just about the money. It's about the principle of it can.


Abbey Henderson [00:24:56]:

Be, it doesn't have to be for everybody, but I think that is helpful. And then, you know, as always, understanding how the investments fit into your plan and obviously your plan should be based on your values too.


That can also be helpful. As I said, a good plan is going to have some wiggle room built into this. So even when the market's down, your advisor should be able to rerun or you should be able to rerun your projections and they, you should still be in good shape. So that is helpful. And then I think it's always a good idea to just sort of be grounded and anchored in your, your vision and your purpose and focus on that more so than you're focusing on day to day performance.


Wendy McConnell [00:25:41]:

So keep thinking about your purpose more so than the portfolio digits.


Abbey Henderson [00:25:48]:

Exactly.


Wendy McConnell [00:25:50]:

Okay. As someone is listening, though, and realizing that they may have been reacting emotionally. I happen to never do that.


Abbey Henderson [00:25:57]:

Not you for sure.


Wendy McConnell [00:25:58]:

No. What is the. What is the first step they can take today to maybe kind of reel that in a little bit?


Abbey Henderson [00:26:05]:

Number one, revisit your plan.


Is it still big picture? Is it still in sync with where you're going, what you want, what your values are? So that's number one. Number two is automate whatever you can in your investment portfolio so that you're not. You'll still be tempted to look at it every day.


Don't look at it at it every day. But if you're automating things like automatic investments or automatic withdrawals, it doesn't give you an excuse to go look, which is my next thing. Don't go look every day.


Wendy McConnell [00:26:43]:

Right.


Abbey Henderson [00:26:45]:

That is just torture.


You know, I. If you. In my ideal world, you'd be looking every couple weeks, every two, three weeks.


Wendy McConnell [00:26:55]:

Okay.


Abbey Henderson [00:26:56]:

And definitely, definitely not daily, because you will just.


You'll just torture yourself, I think, sort of track how you're feeling. So this goes back to the awareness piece. You will have better and better awareness if you're actually paying attention to what's happening. So sort of track your emotional responses. So you have an idea and then, you know, as always, have a support system.


It can be a financial advisor. You know, I've seen a lot of spouses be each other's support system. Sort of that voice of reason that can more or less talk you off the ledge if you're feeling nervous.


Wendy McConnell [00:27:35]:

Okay?


Abbey Henderson [00:27:36]:

So.


Wendy McConnell [00:27:37]:

So moving forward, how do we think about this? What are the things to keep in mind?


Abbey Henderson [00:27:43]:

For better or worse, this volatility is normal. So just look at this as an opportunity to practice for the next time it happens, because it will.


Wendy McConnell [00:27:52]:

I tell you, you know, I'm about 10 years out from retirement, and it's never affected me like this before because I just had plenty of time.


And now I'm like, oh, my gosh, I've only got 10 years.


Abbey Henderson [00:28:02]:

Well, we, you know, back to recency bias. We think that it's not normal for recessions to happen every six years on average.


Wendy McConnell [00:28:10]:

Yes.


Abbey Henderson [00:28:11]:

When in fact it is.


Wendy McConnell [00:28:12]:

You are my support system.


Abbey Henderson [00:28:14]:

I. I will always be your support system.


Wendy McConnell [00:28:18]:

Okay. What else?


Abbey Henderson [00:28:19]:

I would say, you know, whatever you can do to build good habits and systems in all times that you can then fall back on in the more challenging times is super helpful.


And then I think, last but not least, I would focus on Alignment, not performance.


Wendy McConnell [00:28:43]:

Okay, well, if people are still freaking out and they would like to talk to you some more and, you know, maybe you can help them a little bit with their worries, how does someone get in touch with you?


Abbey Henderson [00:28:55]:

So probably the best way is email, which is Abbey@abaristfinancialgroup.com they can also check out the website. We're actually gonna have a new website rolling out shortly, which I'm super excited about.


Wendy McConnell [00:29:08]:

Fancy.


Abbey Henderson [00:29:09]:

Yeah. Very, very exciting. And then all the social media. So LinkedIn, Facebook, Instagram, Twitter, all the things. And I would.


I would love to hear from people.


Wendy McConnell [00:29:20]:

And as I think you mentioned, they're in the show notes, too.


Abbey Henderson [00:29:23]:

Always in the show notes.


Wendy McConnell [00:29:24]:

Okay, good to know. All right, thank you, Abbey.


And thank you for listening today. Please, like, follow and share this podcast with your friends. Until next time, I'm Wendy McConnell.


Voiceover [00:29:37]:

Thank you for listening to the Wealth Beyond Riches podcast. Be sure to visit our website at www.abarisfinancialgroup.com and don't forget to click the follow button to be notified when new episodes become available.


The opinions voiced in Wealth Beyond Riches with Abbey Henderson are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be appropriate for you, consult with your attorney, accountant, financial or tax advisor prior to investing. Guests on Wealth Beyond Riches are not affiliated with CWM LLC. Investment advisory services offered through CWM LLC, an SEC registered investment advisor.