The main theme for Q1 has been market volatility and what we can do to counteract its impact on us. The final page of the Q1, 2018 quarterly report makes a good analogy about how embarking on your financial plan is like sailing around the world. Your voyage won’t always go as planned, and you’re sure to come across rough seas at times (in the form of market volatility and personal ups and downs), but the odds of reaching your destination increase greatly if you are prepared, flexible, patient, and well-advised. We like to say: “if you fail to plan, you plan to fail.”