The middle of a crisis is not the time to start working on a financial plan. Information regarding the severity of the Corona virus started getting dire (in our opinion) on 2/28/20. By 3/9/20, the S&P 500 was down 12%, by 3/16/20, it was down 24%. There was time to react, but only if you had a plan in place.

Here's why we don't keep all our Assets at the same Broker. Spreading your equity and bond positions is a no cost way to lower your risk of a disaster. Many of the top online brokers will pay you to diversify your assets. Transfer agents should play a role in your equity asset allocation.

How Hurricane Irma positively influenced our investing strategy. We thought we had a well thought out plan for getting out of the way of a Hurricane based on 25 years of experience. When Irma came, we found out we didn't. Here's how it affected our asset allocation.