When the market is going up, people tend to be greedy and want to buy. When the market goes down, people get scared and they sell. We keep people from doing this through rebalancing, constantly selling high, buying low and building wealth. Different asset classes have different risk return characteristics. We do not claim to know what the next “hot stock” is, because truly, no-one can really know. For that reason, we focus on rebalancing. Selling high and buying low is rebalancing. We equate rebalancing to a flower garden. Each one of these flowers represents a different asset class. No matter what time of year, you’re constantly clipping some of the flowers, bringing them inside and enjoying them and then you go plant something else that is going to bloom later. So, you are constantly clipping flowers off, enjoying flowers, and other flowers are blooming. This is rebalancing. Clipping the asset class while it’s high and enjoying it and going out and planting a new asset class to enjoy later.