What to Do After a 40% Market Drop

Frank L Day

Published on: 25/09/2026

Are you ten years from retirement? Are withdrawals already underway? Have you already experienced a major decline, or has your plan only been tested by favorable conditions? Those are four different engineering problems, not four versions of the same

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NEWSLETTER Market Risk and the 7% Average Return

Frank L Day

Published on: 24/09/2026

An unchanged reading is not an absence of risk. It is the opposite. The probabilities held flat through September because the conditions behind them held: options and forward risk models stayed priced for defensive positioning, odds shifted toward a