It’s spooky season, but what if the scariest thing isn’t ghosts or ghouls, but your investment performance? A dip in the market can feel downright haunting and can raise some horrible specters, such as "What if I lose everything?" and "What if I should have made different investment choices?" Is it time to get out?

Everyone sometimes gets nervous about their portfolio, but reacting in fear is not the way forward. Let's see if we can chase off that spooky shadow.

Feel the Fear, Master the Response

It's called a stock market panic for a reason. When many people get spooked and sell, the markets can tumble. Panicking during a short-term dip isn’t a smart long-term plan, especially as the dip deepens.

In fact, selling as stocks tumble can be far worse for your financial future than staying the course. Even a dip of a few months doesn't determine your success for longer-term investment performance. What is more important is that your investments remain aligned with your goals, risk tolerance, and time horizon. You might not think you are on track, but you are.

History Offers Some Perspective

Basic fact: The market has always rebounded. Even from the worst dips. Even the Great Depression didn't last forever. Past performance doesn’t guarantee future results, but history shows that staying invested, no matter how challenging, has typically rewarded investors more than jumping ship (and the water can be cold).

Remember 2008? That was a bad dip, and a lot of people got out. Many people suffered real hardship, too, but those who stuck with it through the downturn and beyond saw the market recover and were able to not just recoup their losses but thrive.

Of course, a dip might be a good time to adjust some investments, but it's generally not the right time to flee.

How to Face the Monster Calmly

Emotions are tricky, though. If you see your retirement portfolio act like a downhill skier, you might even feel the spooky shadow of "What if I can't retire?" Dealing with those emotions can be a challenge.

But instead of pulling your money, this is a good time to review your plan:

1. Check your long-term goals. Has anything changed in your life? If you have had a drop in income, then it might be time to review a few things. Otherwise, though, just audit your life and lifestyle and any immediate plans.
2. Assess your risk tolerance. Your peace of mind does matter. Is your portfolio aligned with your comfort level for market volatility? Are you discovering your tolerance may be lower (or higher) than you thought?
3. Speak with your advisor. This is what financial advisors are for. Because we aren't emotionally invested, we can help you go over your portfolio and talk you out of emotional decisions that will only cause you and your family harm.

You Don't Have to Face the Fear Alone

At CrossleyShear Wealth Management, we are here to help you meet your financial goals. If the “What if Monster” is under your bed or peering through the windows, we can help you deal with it and keep focused. It's not just our job to help you succeed but also to help you stay the course and reason, not emotionally. We can calm the "What if Monster" for you.

So, if you're starting to feel a bit uneasy about your investment performance right now, remember that you aren't alone, and talk to us. Let us help you review and adjust your strategy and make those calm decisions that keep fear from driving your future.

Contact us at any time to help chase the monsters away. Or schedule your annual review today. We really can help and are dedicated to your financial goals.

Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dale Crossley and Evan Shear and not necessarily those of Raymond James.

Relationships can be wonderful, but still have disagreements. One of the most common disagreements between partners is about managing joint finances. It often causes much tension and can happen early on or at any point in your relationship. You may have different priorities, such as saving for retirement, planning a home renovation, or saving money for children's college funds. Or, maybe one of you wants to invest, and the other wants just to keep your money in savings.

When it seems like you just can't come to an agreement, the “What If Monster” can become a problem. You might think, "What if our different opinions ruin our plans or relationship?" Let's look at that "what if" question and turn it into a positive conversation.

Acknowledge That Different Opinions Are Normal

It is not unusual for two people to have different opinions about what to do with money. Our upbringing, life experiences, fears, and ultimate financial goals typically shape our views. Instead of viewing your partner's views as "wrong," try to understand where they are coming from. It can allow you to start an open and honest conversation about your joint finances. Your values don't have to align perfectly. Finding a mutual understanding and a shared strategy that aligns with your values is essential.

Create Space for a Conversation About Money

It's essential to discuss what you want to do with your money. However, you want to have it at the correct time. When one of you is stressed or distracted, or you have just had an unexpected expense, it is not the time. Find a time that you are willing to hear each other out and devise a plan.

Here are some good questions to ask:

• What are the goals you feel strongly about?
• Are you worried about something financial in particular?
• What does financial security look like to you?

Opening up and answering these questions can help you understand each other's motivations, making compromise much easier.

Create a Team-Based Approach to Joint Finances

Once you know what you want to do with your money, it's time to make a unified plan that incorporates both goals. It can be beneficial to bring in a financial advisor like CrossleyShear Wealth Management to help.

They are a third party who can help couples do the following:

• Balance long-term needs with short-term wants.
• Identify your shared goals and core values.
• Establish clear expectations and roles around money management.
• Develop a customized plan that incorporates each person's priorities.

Schedule Regular Check-Ins

Once you have a financial plan that you both are comfortable with, it's important to plan regular check-ins about the plan. The plan you create now will work for now, but it might not work later. As you grow, your goals, lifestyle, and income will change. Scheduling regular check-ins with your plan is also vital in determining if any changes are necessary. Annually or anytime there is a significant life change, it is a good place to start.

The “What If Monster” Calms Down When You're on the Same Page

Just because you have disagreements about where your money should go doesn't mean your relationship is doomed to fail. It is human nature not to agree on everything. The key is communicating openly, planning intentionally, and leaning on a trusted advisor to help you make a plan you can stick to.

At CrossleyShear, we can help partners navigate conversations around their joint finances and turn tension into teamwork. If you're ready to make a plan, we are here to help. Contact us today to get started.

Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Dale Crossley and Evan Shear and not necessarily those of Raymond James.

From the Desk of Dale Crossley and Evan Shear | Q3 2025

We hope this latest edition of The Journey finds you thriving. While the markets continue to fluctuate this year, we remain confident in our collective ability to weather the storm and sail smoothly to the other side. In our twenty-five years of guiding clients with sound financial planning, we’ve seen that periods like this always come and go. What makes the difference is your ability to learn from the past, stay grounded in the present, and keep an eye on what’s ahead.

In that spirit, this quarter’s edition of The Journey will start by looking back before setting our sights on what’s next here at CrossleyShear.

Looking Back: 3-Day Royal Caribbean Utopia of the Seas Cruise Recap

We recently set sail on an incredible 3-day Royal Caribbean cruise, joined by a fantastic group of CrossleyShear employees and valued clients. It was the perfect blend of connection, relaxation, and fun.

Day 1 kicked off with a warm welcome aboard and a group dinner at Chops Grille. The evening was filled with great food, laughter, and meaningful conversations that set the tone for the rest of the trip.

Day 2 brought us to the beautiful Bahamas, where everyone enjoyed the freedom to explore at their own pace, whether lounging on the beach, adventuring onshore, or simply soaking in the island vibes. Evenings on board were nothing short of fantastic. From live performances to music and games, there was something for everyone.

Day 3 was a highlight as we spent the day on Royal Caribbean’s private island, enjoying private cabanas that offered a luxurious, relaxing escape. It was the perfect way to wrap up a memorable getaway.

To the wonderful clients who joined us—thank you. Your presence made this experience truly special. We’re grateful for the opportunity to spend time together, and we look forward to many more shared moments ahead through sound financial planning.

Looking Ahead: Upcoming Speaker Series with Marc Milstein

You won’t want to miss the second installment of our ongoing Speaker Series. In July, our first featured guest, author and CNBC contributor Joseph M. Terranova, shared valuable insights that challenged and inspired us—and we expect nothing less this time around.

Join us on Tuesday, November 18, 2025, at 4:00 PM, for an engaging webinar with brain health researcher Dr. Marc Milstein, author of The Age-Proof Brain: New Strategies to Improve Memory, Protect Immunity, & Fight Off Dementia.

Dr. Milstein is known for translating cutting-edge research into actionable strategies. His focus areas include:
• Age-proofing your brain
• Achieving game-changing sleep
• Managing stress and anxiety
• Boosting overall happiness
• Avoiding burnout

We look forward to learning practical, science-backed tips for improving brain health, so we can maximize productivity, energy, and longevity in the days and years ahead.

Moving Forward With CrossleyShear
Whatever the future holds, sound financial planning remains the best foundation for staying steady and making confident decisions. That’s what drives us at CrossleyShear. Whether you need to make adjustments or simply confirm you’re still on track, we’re here for you.

Don’t hesitate to reach out. We’re ready to come alongside you and support you on your journey.

Evan & Dale

Any opinions are those of CrossleyShear Wealth Management and 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. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. All opinions are as of this date and are subject to change without notice. Past performance is not a guarantee of future results.

Shrimp Poke Bowl

Prep Time: 20 mins
Cook Time: 20 mins
Total Time: 40 mins

Shrimp Poke Bowl is an easy way to get your sushi fix at home, a healthy and delicious meal, that is also very versatile.
Calories: 530 kcal

Ingredients

For the shrimp:

1 lb. shrimp peeled, deveined, and tail removed
1/4 cup mayo
1 tablespoon Sriracha sauce
1 tablespoon green scallions diced

Sushi Rice:

1 cup sushi rice dry
2 tablespoons rice vinegar
2 teaspoons sugar
1 teaspoon salt

Cucumber salad:

1 cup cucumber diced
1/2 cup edamame
1/2 avocado diced
1 tablespoon soy Sauce
1 teaspoon rice vinegar
2 teaspoons sesame oil
1 teaspoon sesame seeds

For Serving:

Microgreens
Dried seaweed
1 mango diced

Instructions

First, rinse the rice in a rice colander until water runs clear. Cook according to package directions on the stove or in a rice cooker.
In a small bowl combine the rice vinegar, sugar, and salt until dissolved and set aside.
When the rice is done cooking, gently stir in the vinegar mixture, careful not to mash the rice.

Shrimp:

Bring a large pot with salted water to a boil, add the shrimp and cook 2-3 minutes until pink. Discard the water and place the shrimp in an ice bath, to stop cooking process. Remove the tails, if they have them, and chop the shrimp into chunks.
Next, transfer the chopped shrimp into a bowl and mix in the mayo, sriracha, and scallion. Cover with plastic wrap and set aside in the fridge until ready to use.

Salad:

In another bowl mix the salad ingredients. Cover with plastic wrap and set aside in the fridge until ready to use.

Serve:

Add warm rice to two bowls, top with shrimp, the cucumber salad, microgreens, and diced mango. Serve by wrapping bites in seaweed paper.

source: https://30minutesmeals.com/wprm_print/shrimp-poke-bowl

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.

Four ways to teach your kids about business

Set them up for professional – and personal – success.

Whether your children will grow up to be entrepreneurs or to work for someone else, teaching kids early about business helps them establish valuable skills that can serve them in both their professional and personal lives.

Among other things, learning about business can teach kids problem-solving, time management and the importance of planning. It can also help them understand the value of money and hard work, perseverance and risk-taking.

Here are four ways to help set up your child for success – both in the workplace and in life.

1. Teach them financial literacy.
The sooner you educate your kids about money, the sooner they’ll understand the importance of managing and investing their earnings. Talk to them about income and expenses, budgeting and taxes, and show them how you handle your household finances, pointing out the difference between “wants” and “needs.” Let them experience the consequences of their choices – for example, that buying a new video game today means it will take them longer to save up for a skateboard.

2. Let them learn from their mistakes.
It can be tempting to step in to help your children solve their problems, but eventually they’ll need to be able to manage on their own. Allow them to make mistakes while they’re still in the safety of your home and the stakes are low. Help them explore the factors that contributed to the problem – this builds confidence and resiliency and teaches them not to give up when things become difficult.

3. Take them to work with you.
During summer or spring break, bring your child to work with you to experience a normal day at your business. Talk about the jobs they see being done and how these fit into the broader business picture. Let them shadow you and your employees as you explain what you do each day and why. You could even give them tasks to complete – like filing, shredding or making copies – if you feel they’re ready.

4. Have them run their own business.
Experience is the best teacher, so let your children be CEO of their own business, whether it’s a short-term project or a years-long endeavor. Help them identify their marketable skills and create a business plan, determining how much they’ll need to spend and what they can charge for their products or services. Whether it’s mowing lawns, walking dogs, babysitting, or selling lemonade, running their own business helps kids learn the importance of punctuality and professionalism, as well as marketing and customer service.

Nurturing these skills in your kids today can help them become successful adults tomorrow.

Sources: Gohenry.com, Rampton, John. How to Teach Your Kids Entrepreneurship Early in Life, LinkedIn, Nationwide.com

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.