Malcolm Gladwell states in "The Outliers" that it takes 10,000 hours to become an expert in your field.1 I cannot say I am an expert but I can say that I have roughly 40,000 hours navigating bull and bear markets, helping my clients pursue their financial goals.2 With 20+ years of experience helping 100's of clients I have considerable experience and insights. While this may be your first time planning your investments and retirement, I hope you can feel comfortable in knowing it isn't my first time.