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Why Market Dips Don’t Mean Disaster

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With all the recent market ups and downs, it’s easy to feel uneasy. But before you let the headlines stress you out, let’s put things into perspective.

In this video, we break down why market volatility is normal and why staying invested through the dips is key to long-term success. We’ll walk through a powerful chart that reveals a surprising truth:

📊 Even when the market dropped significantly, it still finished strong most of the time.
📊 Over the last 45 years, despite average intra-year drops of 14%+, the S&P 500 ended positive 3 out of 4 times!

The key takeaways?
✅ Volatility is normal.
✅ Dips are temporary.
✅ Sticking to your plan pays off.

🎥 Watch now & if you have concerns about your investments, we’re here to help—just reach out!

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Chess vs. Checkers in Investing

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Every day in January, Matt’s inbox gets flooded with 2025 market predictions—some insightful, some questionable. But one article in particular stood out, making him think about the difference between playing chess and playing checkers when it comes to investing.

Successful investing isn’t about reacting to every headline or short-term noise—it’s about thinking a few moves ahead. Click the video above to watch, and if you’d like to read the full article, I’ve linked it below.

Article: Playing chess versus checkers

Let us know your thoughts—do you agree with the points in the article, or do you see things differently?

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The Power of Playing Devil’s Advocate in Investing

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In this video, Matt is sharing insights from a keynote speaker at a recent psychology and investor behavior conference. The term Devil’s Advocate might sound negative, but its true purpose is to challenge assumptions for better decision-making. At Ross Financial, we don’t challenge ideas just to be contrarian—we do it to advocate for YOU! Our goal is to help you see all angles and make the best financial choices.

Click the video above to hear the full message!

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An Important Financial Lesson from the Top of Crystal Mountain

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In this week’s Matt’s Minutes, Matt and Dylan share a powerful financial lesson from the summit of Crystal Mountain. Just like navigating a foggy ski run, you don’t need to see the entire path ahead—just the next right turn. The same applies to your finances. While no one can predict the future, making thoughtful, strategic decisions today sets you up for success tomorrow.

Click the video above to hear the full message and learn how taking the next best step can keep you on the right financial path.

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Look who is in the latest copy of Barron’s!

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We’re honored to share some exciting news! We have been recognized in a recent copy Barron’s. Raymond James took out an ad to publicly recognize some of the Top100 Financial Advisors in the country . This achievement highlights our unwavering dedication to helping you achieve your financial goals, and we couldn’t be more grateful for your trust and support.

Click the video above to watch the full announcement. Thank you for being such an essential part of our journey!

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Let’s Talk Cryptocurrency!

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That’s right—you read the title correctly. I’m finally sharing my thoughts on cryptocurrency! In this video, I dive into its role as both a currency and an asset. I highlight some of the challenges it faces in each category and what that might mean for its place in a portfolio.  Technology seems to be moving at the speed of light and regulations change almost daily, I would never say that this type of investment would NEVER make sense inside of a portfolio.  But for our clients today, I say that with the unstable, unknown and highly regulated nature of this investment, it becomes virtually impossible to rely on.

Click above to watch the full video, and here’s the article I reference: “Does Crypto Deserve a Place in Portfolio Construction?”

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Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Constellation Wealth Services is not a registered broker dealer and is independent of Raymond James Financial Services.

2025 Forbes Best-in-State Wealth Advisors. As a chairman’s council member, I am licensed to promote Forbes|SHOOK awards published in 2025. The Forbes Best-in-State Wealth Advisors 2025 ranking, 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. This ranking is based upon the period from 6/30/2023 to 6/30/2024 and was released on 4/8/2025. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weighs 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 48,944 nominations, roughly 9,722 advisors received theaward. 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 thisaward/rating. Compensation provided for using the rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/best-in-state-wealth-advisors/ for more info.

Matthew Ross has been named 2024 Forbes Best-In-State Wealth Advisors, developed by Shook Research, is based on the period from 6/30/2022 to 6/30/2023 and was released on 4/3/2024. 42,108 nominations were received, and 8,500 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://bit.ly/43DMgjX. Please see https://www.forbes.com/best-in-state-wealth-advisors for more info.

The 2023 AdvisorHub 200 Fast Growing Advisors to Watch ranking is based on an algorithm of criteria, focused on three key areas: Quality of Practice, Year-Over-Year Growth, and Professionalism & Character. The rankings weigh the scores in Quality and Growth more heavily than other areas. Time period upon which the rating is based is from 1/1/2021 to 12/31/2022 and was released on 6/20/2023. Advisors considered have a minimum of seven years’ experience, a clean regulatory record with 2 or fewer complaints and no significant judgements, must have been with their current firm for at least two years and in good standing, and have at least $100 million in assets under management. Out of 1,246 total nominations received, 200 advisors received the award. This ranking is not based in any way on the individual’s abilities regarding providing investment advice or management. This ranking is not indicative of 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 AdvisorHub.

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