I wanted to reach out to you, to address the market turmoil and if or what should be done, why the market is moving as it is, and how long this may last.

We are experiencing the biggest remote work experiment in history – but many are beginning to imagine life after lockdown. Amid unprecedented global job losses, concerns about transport infrastructure and the continuing need for workplace social distancing, governments are launching back-to-work plans.

I am not sure about you but I am thankful that we are now in a new year, and hopeful that this year will be far better than 2020. Last year was one of the, if not the worst years I have experienced in my lifetime.

If you're just skimming financial headlines, you might be inclined to order up a Roth IRA conversion--stat! "Now Is the Best Time in History to Do a Roth Conversion," read the headline in one publication. "Now Is the Perfect Time to Convert Your IRA to Roth," answered another.

I am sure many of you are concerned about the Coronavirus and how it is affecting the market thereby your personal accounts. It appears that the U.S still doesn’t have a clear plan on its approach to testing and containment yet. In addition, this seems to be a multi-country crisis, which means that all of the countries will need to work together towards testing and containment, until this happens we will continue to see a great deal of disruption and volatility in the market.