December 5, 2022

Dear Cautious Optimist,

As December begins and the year draws to a close, 2022 has continued to present challenges. We want to applaud you for your calm and resolute response to stay the course.

Warren Buffet said, “the stock market is a device for transferring money from the impatient to the patient.” Days like these test your patience and resolve. But we are here for you… in the good days and the tough ones too.

The quarterly update takes a high level view of how Align designs and selects the right portfolio for you. To summarize in one sentence: “Your portfolio was built to weather times like this.”

Remember, your Align team meets weekly to review portfolios and assess strategies. We hope that keeping you informed in these challenging times helps ease your fears and keeps you focused on your long-term plans.

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