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How Much Do You Really Know About St. Patrick’s Day?

Don Hershberger

On March 17, people and communities all over the world celebrate their Irish-ness in observance of the Feast of St. Patrick, the patron saint of Ireland. Even if you have no Irish ancestry, you may enjoy some fun facts that are sure to amaze you – and those you celebrate with. Click here to read more...



Remember, daylight saving time begins at 2:00 a.m. on Sunday, March 13. Be sure to move your clocks forward one hour. And take that opportunity to check the batteries in your home's smoke detectors, too.

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How-To Videos

Are you taking advantage of Raymond James' Client Access and all that it has to offer? Discover how to deposit checks using the camera on your smartphone or tablet, see your statements and change your account preferences with this easy-to-use platform. It’s all part of our commitment to helping you seamlessly manage your financial life. Watch these short videos to learn new ways to connect to your accounts anytime, anywhere.

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Fun Fact

"The NASDAQ is now a huge, sophisticated exchange, catering only to technology, stocks of the highest caliber. But it wasn't always this way. Back in 1971 when the NASDAQ was established, it traded only OTC stocks, really just another term for penny stocks."

Key Ages to Take Action

50              Eligible to make "catch-up"                        contributions to 401K                                  account

50 1/2        May take IRA distribution                           without penalty

62              Begin Social Security                                  discussion with your advisor

65              Medicare coverage begins

70 1/2        May make qualified                                    charitable distributions                              from IRA

72              Required to withdraw a                              minimum amount from                              retirement savings each year

6 Things to Remember When Markets Fall

Markets and Investing

Maintain your composure – and long-term focus – when volatility emerges.

It can be unsettling for investors when their portfolios and the markets start heading into the red. Here are six investing basics to keep in mind during volatile times.

1. Periods of volatility are normal.

All markets move in cycles, and periods of steep contraction are completely normal. While the length of market contractions varies, periods of growth and expansion are usually waiting on the other side. The markets have proven remarkably resilient over the long term, and while returns can be quite volatile year-to-year, they’re generally positive over multi-year periods.

2. Know your portfolio.

Understand your investments and how specific assets represent different goals and outcomes. Keep in mind your risk tolerance and investment timeline, and if either has changed, consider talking to your financial advisor about rebalancing your portfolio. Diversification can potentially help balance risk during a downturn and mitigate extreme swings in value.

3. Stay the course.

Remember your financial plan and long-term goals and stick to them. A disciplined investment approach is a sound strategy for handling market downturns and will likely enable you to participate when the markets rebound.

4. Consider opportunities.

Working with your financial advisor, determine whether periods of volatility are a good time to take advantage of investment opportunities in line with your long-term plan.

5. Don’t overreact.

Letting emotions dictate your investing strategy is a risk you shouldn’t take. Short-term decisions can have long-term consequences on your portfolio. Being patient can pay dividends.

6. You’re not alone.

Your financial advisor is available to answer your questions and provide help when you need it. He or she can guide you through difficult markets and be the independent voice that helps you stay focused on your long-term goals.

Investing involves risk and investors may incur a profit or a loss. Past performance may not be indicative of future results. Diversification does not ensure a profit or protect against a loss.

Client Spotlight

Glenn Pascoe

Climbing "Kili"

Glenn has had many travel adventures, ranging from the 500 mile “Camino de Santiago” through France and Spain, to a one-month cycle tour through Te Waipounamu, the southern island of New Zeeland. But he claims that climbing “Kili” at age 72 was his most memorable physical accomplishment.


At 19,341 feet, Mount Kilimanjaro is the highest mountain in Africa and the tallest freestanding mountain in the world.


It is a dormant volcano located in Tanzania in East Africa, not far from the border with Kenya. Despite its height, Kili is a “walkable” mountain. You are able get to the summit without needing repelling ropes or an ice pick, for example. The mountain spans 5 separate climate zones including a lush rainforest and ending with Alpine Desert and an Arctic zone. Glenn saw monkeys in the trees at the bottom, but only a bird here and there during the climb. Near the summit there is no more vegetation. “It was like a moonscape,” he described.


The climb took 8 days and 7 nights, beginning as early as 7:30 am and lasting until 4:00 or 5:00 in the evening. Glenn’s group of 15 climbers was accompanied by guides that carried equipment, set up camp, cooked, and cared for them. The biggest concern, and most common reason people aren’t able to make it to the top, is altitude sickness. Twice a day their guides would ask them each a series of questions and run tests to ensure they were fit to continue. This ranged from whether or not they were sleeping and eating well to their pulse and blood oxygen levels. If they didn’t pass, they were not allowed to continue. In Glenn’s group of 15 only 3 didn’t make it to the summit.

Glenn mentioned 2 interesting ways that they combated altitude sickness. The first was to climb in a zig-zag so that the altitude increased more gradually. The second was to “climb high and sleep low”. For example, they might climb to 14,000 feet and then go back down to 13,500 feet to sleep.


The night before they got to the top, they made camp at 15,300 feet, leaving less than a mile to climb. They started at midnight and it took a full 8 hours to climb the last mile. When they reached the top, they were not able to see the sunrise they all anticipated, due to the freezing rain, wind, and snow. They stayed only long enough to take a few photos, about 20 minutes.


Glenn said that climbing Mount Kilimanjaro was the hardest physical thing he has done and is proud of his accomplishment of making it to the top. 

The Paramount Wealth Management Team

Don Hershberger, Founder and President, PWM, was named on the 2022 Forbes Best-In-State Wealth Advisor list.

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Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Paramount Wealth Management is not a registered broker/dealer and is independent of Raymond James Financial Services.

The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 34,925 nominations, more than 6,550 advisors received the award. This ranking is not indicative of an advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit for more info.

Any opinions are those of the author and are not necessarily those of Raymond James. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. All opinions are as of this date and are subject to change without notice. All opinions are as of this date and are subject to change without notice.

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