The Weekly Update 11/13/2026™ 
Created by Jim Lunney, CFP® CEP® 

This Is Normal!

The last few weeks have presented investors with significant volatility. I don't enjoy volatility. We 
humans are built more for stability and predictability. But money tends to be emotional. When it 
comes to money, "emotion squared" is more normal.    

Sports can also be emotional, especially for the coach. I tend to wonder how the coach on the 
sidelines can remain calm (most of them) when a bad outcome takes place on the field.    

They remain calm because 99.9% have a "critical factors" in-game stat sheet. For example, in football 
the critical factors stat sheet would include: 

 Turnover margin — takeaways vs. giveaways (interceptions + fumbles lost) 
 Penalties — number and yards, especially pre-snap mistakes 
 Third-down efficiency — conversions on both sides of the ball 
 Explosive plays — runs/receptions over a set yardage (often 15+ pass, 12+ run) 
 Sacks — allowed and recorded 
 Red zone efficiency and points off turnovers 
 Special teams — field position, drive starts, punt/return yardage, kicking game 

At the Wealth Strategies Group, we are responsible for serving over $500 million in brokerage and advisory assets through LPL Financial as of November 2026. As your valued advisors, of course, we have a critical factors stat sheet. My friend Mike 
Williams over at TruVestments put it in a graphic for me to share with you. Check it out. 

From this chart we know going into each year, that 7 times per year we will see a drop in the 
valuation of Corporate America of 3%. More than 3 times per year the drop will be 5%, and our critical 
factors stat sheet also suggests that at least once per year we will see a drop of 10%. 

Out on the right edge we can just know that about every 3.5 years we will experience that gut punch 
drop in values of 20%. 

Conclusion: on January 1st for every one of my 44 years at this desk, I just know there is a speed 
bump ahead. I also know it will pass, or we wouldn't have gone from a DJIA of 777 when I started in 
1982, up to all-time high valuations near DJIA of 55,000 in 2026! 

At TWSG we remain focused on creating customized asset allocations that match up to each client 
families constraints for time, risk and volatility and then placing appropriate investments to manage
risk and volatility. And that has worked very well toward pursuing goals for our client family for over four decades. 

You go have fun and let us worry! 

As always, your WSG team remains focused, thoughtful, and on purpose as we continue the ongoing 
process of allocating The WSG client family assets entrusted to our oversight. Thank you for your 
trust and confidence.

  
I did not say market valuations go straight up, and I did not say without volatility, yet the data flow 
suggests the good old USA has a very bright outlook. 

Feel welcome to call, email or stop by the office and say Hi. 

Respectfully, 
James O. Lunney, CFP® CEP® 
CERTIFIED FINANCIAL PLANNER™ Professional 
CERTIFIED ESTATE PLANNER™   
The Wealth Strategies Group 
7761 Shaffer Parkway, Suite 100 
Littleton, CO 80127 
Ph. 303-933-2107 Fax 303-933-7175
www.wealthstratgroup.com

*The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be 
successful. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for 
any individual.  To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing.  Investing involves risk. 
Loss, including loss of principal, may occur. No strategy assures success or protects against loss. All performance referenced is historical and there is 
no guarantee of future results.  All indices are unmanaged and may not be invested into directly. Asset allocation does not ensure a profit or protect against a loss.
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