At Falbo Wealth Management, we often hear a familiar question: “Why should we pay you to help us?” It’s a fair question and one we’re happy to answer. Our mission is simple yet profound: we help you make smart, confident financial decisions. In our view, the value we provide far exceeds what you invest in our services.
Let’s be honest—human nature is not always on our side when it comes to investing. The urge to panic during downturns, chase trends during bull markets, or freeze amid uncertainty can derail even the best intentions. Often, when people come to us, their emotions have driven them to take either too much or too little risk, jeopardizing their financial goals.
While investing requires emotional discipline, setting up a sound financial strategy demands expertise and knowledge. Most people don’t know what they don’t know, which is where we step in to provide clarity and bridge those gaps. Here’s how we transform financial fragility into resilience—and eventually into antifragility.
Phase 1: Creating Your Financial Roadmap
The journey begins by tying your life to your money. In Phase 1, we create a comprehensive, personalized roadmap that addresses the who, why, when, and how much of your financial goals. Some of the questions we ask to help you get there are included here in this free resource on our website. However, it’s not just a general plan—it’s a date-specific, dollar-specific guide to get you from Point A (where you are today) to Point B (where you want to be).
This roadmap is built to withstand life’s inevitable storms, including market volatility, recessions, and major life transitions. Did you know retirees experience an average of 7–8 major transitions during retirement? Your plan needs to adapt as life evolves, ensuring that you stay on track no matter what challenges arise.
If you’re eager to get started, you can start working on your own retirement lifestyle plan with the Falbo Wealth Management retirement workbook, “Creating Your Retirement Lifestyle Plan.” The workbook is designed to help you collect and organize the information you will need to start developing your own retirement plan, which includes your goals and the resources available to fund them.
Of course, retirees often do better with a guide but are unsure what that relationship looks like. For clarity and transparency, here’s a breakdown of how we work with clients to overcome the challenges of retirement and live a life of abundance and joy with the Falbo Wealth Management Comprehensive Planning Process.
Phase 2: Implementation and Guidance
Once the roadmap is in place, we move to Phase 2: implementing the strategies and providing ongoing guidance. Think of this as your financial Vitamin C. Just as regular Vitamin C strengthens your immune system, our guidance bolsters your financial health.
Your financial immune system is constantly under attack—from market fluctuations and stressful news cycles to well-meaning but misguided advice from friends and family.
Without regular replenishment, these pressures can weaken your discipline and decision-making. That’s why we don’t just hand over a plan and walk away. We’re here to consistently support and strengthen your financial resolve, helping you navigate the inevitable challenges.
From Fragility to Antifragility
Most investors start fragile—easily thrown off course by market downturns or life changes. As Mike Tyson famously said, “Everyone has a plan until they get punched in the mouth.” But with a robust plan, discipline, and regular financial Vitamin C boosts, we help you move from fragility to resilience.
Resilience means you can weather the storms—staying on course even when life gets rocky. But our ultimate goal is antifragility. This concept goes beyond resilience; it’s about thriving in adversity. Challenges like market crashes or tax changes become opportunities to grow stronger, adapt, and accelerate toward your goals.
Antifragility in Action
Here are just a few examples of antifragility at work:
- 2020 COVID Crash: While many panicked and sold, our clients stayed disciplined. We rebalanced portfolios and converted assets to Roth IRAs during market lows, positioning them for greater long-term success.
- 2008-2009 Great Recession:Guided by a solid plan, our clients avoided emotional mistakes and set themselves up for sustained growth.
- Tie your life to your money with a personalized roadmap.
- Build resilience and achieve antifragility through disciplined guidance and strategic action.
When fragile investors face challenges, they often detour from their original goals, extending their journey or making it unattainable. Resilient investors stay on course, while antifragile investors seize opportunities to reach their goals even faster.
Why You Need a Partner
Most people struggle to achieve resilience—let alone antifragility—on their own. Why? Because human nature tends to get in the way. Our role is to act as your financial immune system, keeping you disciplined, educated, and ready to seize opportunities during uncertain times.
With over three decades of experience and the Falbo Wealth Management Investment Philosophy guiding the way, we’ve navigated every major market cycle, from the dot-com bubble to the Great Recession to the COVID crash. We’ve seen it all and know how to turn challenges into opportunities for growth.
Embrace Antifragility with a Financial Advisor
Antifragility isn’t just about surviving financial uncertainty—it’s about thriving in it. At Falbo Wealth Management, we guide you through two essential phases:
When you have this framework in place, you’re equipped to make confident financial decisions, no matter what life or the markets throw your way. Don’t just survive uncertainty—embrace it.
Schedule a consultation today, and let’s start building your antifragile financial future.
The opinions expressed in this material are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security, investment, or other financial product.
This material has been prepared in collaboration with Crystal Marketing Solutions, LLC, and has been edited with the assistance of artificial intelligence tools. The information presented is based on sources believed to be reliable and accurate at the time of publication. This material is for educational purposes only and does not necessarily reflect the views of the author, presenter, or affiliated organizations. It should not be construed as investment, tax, legal, or other professional advice. Always consult a qualified professional regarding your specific situation before making any decisions.