From an ever-changing job market to the unpredictable global economy, each graduating college class enters a world filled with uncertainty.

In the latest installment of our Behavorial Biases Series, let’s tackle fear, FOMO (greed), framing and herd mentality.

Four self-inflicted biases that knock a number of investors off-course are anchoring, blind spot, confirmation and familiarity bias.

Legendary economist Benjamin Graham once stated that ‘your own behavioral biases are often the greatest threat to your financial well-being.’

In the final installment of our Evidence-Based Investment Insights Series, let’s review the key take-home messages from each installment.

On the topic of evidence-based investment insights, let’s talk about behavioral biases that can trigger unsound investment decisions.

Arguably, the most significant factor in your evidence-based investment strategy is the human factor.

Your financial goals are the lead for your financial plans. Poor planning is unlikely to take you where you want to go.

Continued research has helped us identify additional market factors at play, with additional potential premiums.

Grounding your investment strategy in rational methodology strengthens your ability to stay on course toward your financial goals.

Viewing expected returns through the lens of cost of capital may help benchmark a reasonable expected return from the market.

In the final installment of our ‘Bringing Order to Your Investment Universe’ Series, let’s talk about optimizing your organized investments.

It is easier to stick with your investment selections if you use a rational methodology such as evidence-based investing.

In the second installment of our ‘Bringing Order to Your Investment Universe’ Series, let’s talk about transitions and taxes.

Investing requires an understanding of how to build a diversified portfolio to more effectively capture long-term global market returns.

The more wealth you accumulate, the more chaotic your assets and accounts can become. That is why being financially organized is paramount.

Diversifying is not perfectly predictable, but it offers a blanket of coverage for capturing random market returns where and when they occur.

To understand, avoid and manage investment risks, there are two main types in avoidable concentrated risks and unavoidable investment risks.

For many people, uncertainty is something to avoid or at least mitigate. But what about the positive things that uncertainty can bring?

The market’s price-setting efficiencies start with diversification being among your greatest financial friends.

Independently thinking groups (like capital markets) are usually better at accurate answers than even the smartest individuals in the group.

What causes market pricing to change? It begins with the constant stream of news informing us of the good, bad and ugly events taking place.

It helps to know what you are facing in investing. Play with and not against market forces by understanding how market pricing occurs.

Rebalancing is the process of shifting your investment assets back to their intended, long-term allocations.

Sticking with a long-term financial plan built on a solid investment strategy can help you stay grounded, even in moments of uncertainty.

Good advice is timeless, and timely. At its essence, good financial advice never goes out of style. Its principles are permanent.

As 2023 comes to a close, here are four of our favorite financial best practices to address prior to the end of the year.