Three Principles For Investing Success Through Every Market

1. Manage your investments with a long-term, goal-oriented focus. All asset allocation and investment decisions should be made in the context of your plan, rather than current market manias.

It may seem dismissive to not react to every headline. However, history is littered with wars and crises, yet a diversified portfolio of high-quality companies has consistently provided long-term appreciation and growth of income.

2. Poor returns and investment failures by overreactions to short-term current events and pundit predictions repeats itself often. Avoid the trap of short-term market timing.

The economic, market, political, and geopolitical chaos of 20202022 demonstrates that the economy can never be consistently forecast, nor the market consistently timed.

BY RENEE MICHEL, MBA, AND JOE SWEENEY, CFP ® , FINANCIAL ADVISORS AT SWEENEY & MICHEL, LLC

3. Therefore, the most reliable way to capture the full return of high-quality stocks is to ride out their frequent-but-historicallyalways-temporary declines.

You may even want to invest more during these times of low equity prices. No crisis has yet been permanent.

The Proof Is In The Profits

It’s worth noting that, after the serial economic nightmares we’ve lived through since the pandemic hit early in 2020, the equity market rewarded patient investors.

The S&P 500 managed to close out 2022 higher than its level at the end of 2019:

3,839 (2022) versus 3,231 (2019), a gain of 18.8%, not including the dividends received along the way. Not great, but not at all bad for three years during which our entire economic, financial, political, and geopolitical world blew up.

Renée Michel, MBA and Joe Sweeney, CFP® | 196 Cohasset Road, Suite 100, Chico CA 95926 (530) 487-1777 | renee@sweeneymichel.com | joe@sweeneymichel.com | www.sweeneymichel.com

IPL Q & A

What is IPL?

Intense Pulsed Light is a broadband light treatment to improve texture and discoloration of the skin. It treats a range of skin pigments to give clarity and even tone. These issues may be due to sun damage, hormones, or vascular conditions.

How does it work? The light wavelengths pass through the top layer of the skin to target pigmented or vascular lesions. The light heats the pigmented cells, collapsing tiny veins and destroying them. They can appear darker at first, then the pigmented cells slough off.

How effective is it? For most skin conditions, three to six treatments about a month apart should resolve the uneven pigment. It works better on lighter skin tones, so no tanning before a procedure.

Does it hurt? The discomfort is minimal, and healing time is quick. It has been compared to a “snapping” sensation on the skin. There will be some residual redness that can last from a few hours to a few days.

What is the cost? $300 for face only; $450 for face, neck and chest, per treatment.

What can I expect during and after treatment? It takes about 45 minutes from start to finish. You will be wearing eye protection, as the broadband light is very bright. A cooling gel will be applied to your skin, then the light will be applied. Possible side effects are redness, light crusting, and minimal swelling.

DERM BAR MED-SPA

85 Declaration Dr. Suite 100 Chico, CA 95973 530.342.2672

Head to the internet, type in the word faucet, and you’re met with thousands of websites, brands, colors, types, and prices. Should you go for the classic stainless version, the sleek matte black finish, or maybe a bright blue pop of color? What does it look like in person? What does it feel like? How do you know if it’s the right one? Designing a home is filled with possibilities—so many in fact that it can be overwhelming. Keller Supply Company works to personalize your shopping experience and bring some much needed stress relief to your project.

Keller Supply has been in Chico since 2006 and, in the past, primarily catered to contractors for their supplies. However, in 2022, they opened their showroom in southeast Chico in order to invite homeowners into the process. Jeremy Cameron, Keller Supply’s local branch manager, says that when he arrived in Chico there was only one other showroom, and he felt there was a market for expanding Keller Supply’s store. He says, “Granted, you can find most of the items online, but sometimes you want to put your fingers on an item or see how it would look with a tile background. So, when you provide options like that, it really gives customers an opportunity to feel more comfortable about their purchase.” The large bright showroom is filled with everything you’d need to build or renovate your home except for the appliances. A vanity accented with a warm gold faucet is set against a wall covered in unique oblong tiles. It’s displayed like it would appear in the home—with a mirror, light sconces, and towel bars making it easy to envision how everything works together. Other bathroom ensembles dot the expansive space, showing off the beautiful finishes available for purchase. As you walk along the walls, the assortment of shower fixtures, from large rain-shower heads to targeted handheld wands, will have you planning a shower renovation even if that wasn’t on your mind. Further back, you’ll find kitchen sinks with accompanying faucets like pull-down spring-wrapped professional styles or pivoted pot fillers. They have tile, hardware for drawers and cabinets, sinks, tubs, vanities, lighting, faucets, mirrors, and toilets.

So, what sets Keller Supply apart, aside from their extensive selection of high quality products? It’s their focus on people. Amanda Kingsley, the showroom manager, welcomes customers in with her warm genuine personality and leaves them feeling confident in relying on her for assistance. They’re encouraged to call and set up a complimentary product consultation with Amanda who has a wealth of knowledge about all the products they carry. If customers bring in their plans, their Pinterest boards, or their magazine clippings, she’ll customize a lookbook for them based on their tastes and price range. “We want customers to walk out of here feeling really comfortable, like they could give us a call if they have questions. I tell them, ‘I’m so excited to help you pick out your dream kitchen or bathroom; so excited to make that happen for you.’” Amanda loves seeing the finished product when a customer sends her photos of everything installed in one space. She says seeing that puzzle come together in such a beautiful way is extremely rewarding.

Maybe you love the idea of a bright red faucet as an eye catching accent but are worried it wouldn’t work in your home. Jeremy and Amanda can help you design the perfect space around it. They even offer water analysis and ensure you’re not left with a faucet ruined by hard water stains by offering water treatment options. Jeremy shares, “We can help you with your experience from start to finish in one room, and if we don’t have what you’re looking for, ask us. I guarantee you we can probably get it.” If they can’t, they’ll find out who can, because at Keller Supply, it’s all about the customer.

Keller Supply Company is located 2648 Hegan Lane. Stop in and see what they have to offer or call them at (530) 433-5705 for a dedicated consultation appointment. Check out their Instagram page, @kellerkitchenandbathchico, for a sneak peak at the showroom right from your home.