Planning for a Market Downtown

Recent market volatility reminds us of the ever-present risks inherent in stock investing. When bear markets occur, many investors instinctively seek shelter on the sidelines. But, as history demonstrates, leaving the market—even temporarily—can be costly over the long-term. So, what can investors do now to manage current market volatility?


Making regular contributions to a 401(k) plan provides a valuable way to save for your future—allowing assets to compound and grow tax-deferred. But keeping your long-term goals on track involves periodically reviewing and adjusting your strategy along the way.

Been There Done That

Is a recession coming… or is one already here?

Sticking to the Gameplan

For a lot of investors, the first part of 2022 has been a lot like those first few possessions when we got scored on. The stock market is volatile. Interest rates are rising. Inflation is up. There is a lot going on. And it can certainly cause anxiety and uncertainty.  But that doesn’t mean the plan an investor has in place won’t work.

Trying something new can taste pretty good!

Cooking is not something I am a natural at. It is something I must work at, and something that seems intimidating to me. The way I feel about cooking- that is how many people feel about their personal finances.

Participant Perspectives | Q4 2021

How inflation impacts retirement planning…

A Legacy of Lifelong Learning

I love the fact that in my job I can help people craft the life that they dream of – and help protect them from pitfalls they may not think of along the way.

Wealth Solutions Capital Markets Review | Q4 2021

The Markets Review for the period ending December 31, 2021.

Planning for a Market Downturn

What can investors do now to prepare for market volatility in the future?

Life Comes At You Fast!

As life changes, we need to re-evaluate our finances. It is a part of life moving so quickly.

Home for the Holidays

There’s no place like home for the holidays…

Book Review: Twas Christmas Eve Eve by Jay Kenerly

Twas Christmas Eve Eve celebrates the magic of the Christmas season….but mostly the Moms that make it happen.

A successful trip- despite the traffic!

At Plybon & Associates, we work with people everyday on building successful financial plans that can weather unexpected and uncontrollable events like traffic.

Book Review: Think Differently to Achieve Success by Dr. Kevin C Snyder

In order to reach your highest potential, empower others and persevere through adversity to lead a fulfilling life, you must think differently.

Just a bit outside (my comfort zone)…

Step outside of your comfort and make reviewing your finances a priority.

Jay Adkisson

Wed. November 17 | 10am PT Asset protection is commonly used to mitigate the effects of future creditors, lawsuits, and other liabilities. Jay Adkisson, attorney and Managing Partner of Adkisson Pitet LLP, explores current planning trends and how life insurance can be an effective asset protection tool when used within trusts and advanced estate planning […]

Andy Friedman

Wed. November 11 | 10am PT Proposed changes to tax legislation could have significant market and economic impacts. In this special legislative session, Washington insider Andy Friedman discusses what proposed tax changes could mean for retirement investors and small business owners, and offer insights for year-end planning.  

The Power of Simplicity

Many times, people hear about new and exciting strategies and think these new strategies are their ticket to financial success. However, many times taking simple steps can lead to just as much success and be much more sustainable in the long term.

Book Review: Talking to Strangers by Malcolm Gladwell

Malcolm Gladwell, host of the podcast Revisionist History and author of the #1 New York Times bestseller Outliers, offers a powerful examination of our interactions with strangers and why they often go wrong

We've Moved!

We have big news here at Plybon & Associates- we moved offices to a new space at Revolution Mill. We are excited to be a part of a vibrant and growing space here in Greensboro.

Vacant House: What you see isn't the whole story

What you see on the outside doesn’t explain all the behind-the-scenes work going on…this includes all the financial prep behind living a good life.

Busy, busy, busy- but hey, that’s life!

Just like the experience at the airport is much smoother when you book a flight ahead of time, many financial milestones are more enjoyable when you’ve planned for them. Whether it is saving for a house, starting a 529 plan for a child, or contributing to your retirement accounts, even small steps today reap huge rewards in the future.

Ella Chase

Wed. September 29 | 10am PT Ella Chase, co-founder of Wellth Works and a sixth-generation inheritor within a family enterprise, uniquely understands the advisor-client relationship for HNW women. Ella will discuss tactical tools to improve advisor relationships with clients and their family members so that advisors can “stick with the family,” and she’ll address and […]

Book Review: Dune by Frank Herbert

A stunning blend of adventure and mysticism, environmentalism and politics, Dune, by Frank Herbert, won the first Nebula Award, shared the Hugo Award, and formed the basis of what is undoubtedly the grandest epic in science fiction.

Murphy is feeling better!

Insurance is something that many people don’t like to talk about. Whether it’s pet insurance, life insurance, health insurance, or any other type of insurance, it’s a topic that people don’t find very exciting. Most people don’t enjoy paying their insurance premiums every month, or every year.


At Plybon & Associates, we frequently work with business owners on setting up healthcare plans for their employees and would be happy to share some of that experience with you!

Tracy Brower

Wed. August 18 | 10am PT Join sociologist and author Dr. Tracy Brower for an engaging discussion about the future of work, leadership, and engagement and how to best motivate ourselves and employees. Dr. Brower will cover new research, surprising insights, and pragmatic approaches to cultivate and sustain resilience and success through the continuous changes […]

Book Review: Two Selections for August's Reading

“How to Give Financial Advice to Couples” by Kathleen Burns Kingsbury and “Fire & Blood” by George RR Martin. One for the planner and one for the pleasure read. Enjoy both and read along with us!

Netflix and…. Plan?

Do you have a plan in place if the unthinkable happens?

A Very Merry Unbirthday, To You. And Me.

59 ½ is a big age for retirement savers.  Once reaching 59 ½, participants in qualified retirement accounts (401k, IRAs, etc.) may withdrawal funds penalty-free.

Book Review: The Bat by Jo Nesbo

Join the Plybon Book Club! “The Bat,” by Jo Nesbo is the electrifying first installment of the Harry Hole series. 

Summer Vacation

Planning a trip or vacation actually has a lot of parallels to building a financial plan.

Wealth Transfer Under the Biden Tax Plan

This paper delves into the implications of a repeal of stepped-up basis, and sets out strategies advisors may consider to mitigate the effect of this potential change.

Andy Friedman

Wed. June 23 | 10am PT Andy Friedman is known for his unique insight and analysis of the political landscape and prospective legislation. He will share his views on proposed tax changes and what this could mean for all facets of the financial industry.  

How much ____?

As a financial firm, we work with “how much” questions all the time. As a team with life insurance expertise, one ‘how much question’ we hear quite often is, “How much life insurance coverage does my family need?”

Book Review: Think Again by Adam Grant

Join the Plybon Book Club! Think Again by Adam Grant blends psychology and self-help to prove how doubt, failing, and rethinking are instrumental to improving ourselves and our world.

A Case of Mistaken Identity…

Here at Plybon and Associates, we pride ourselves on taking the big picture into account and always make sure that we are helping YOU reach YOUR goals.

Tick-Tock. Tick-Tock.

As with all investing, the most valuable ingredient of a 529 is time.  Time to let it grow, and time to defer the taxes.  You may not be able to stop time, but you can take advantage of it.

Book Review: Splendid and Vile by Erik Larson

Join the Plybon Book Club! The Splendid and the Vile takes readers out of today’s political dysfunction and back to a time of true leadership, when, in the face of unrelenting horror, Churchill’s eloquence, courage, and perseverance bound a country, and a family, together.

Adventures of a New Homeowner - Recap

Note: We hope you’ve enjoyed our 5-part series on dos and don’ts of owning a new home and how the bumps along the way help prepare us for the future…so similar to planning ahead financially. 

Adventures of a New Homeowner - A Mortgage Changes Things

Note: As a new homeowner, I wanted to share some of the personal experiences my wife and I have had as we moved to Greensboro. Hopefully, you enjoy the peek into our lives over the course of this series!

Adventures of a New Homeowner - Grilling

Note: As a new homeowner, I wanted to share some of the personal experiences my wife and I have had as we moved to Greensboro. Hopefully, you enjoy the peek into our lives over the course of this series!

Paul Sullivan

Wed. April 15 | 10am PT Paul Sullivan writes the Wealth Matters column for The New York Times covering issues from private banking and wealth management to philanthropy and inheritance. His articles have appeared in publications such as Fortune, Money, and The Financial Times.  

Adventures of a New Homeowner - My wife’s favorite part of the move

Note: As a new homeowner, I wanted to share some of the personal experiences my wife and I have had as we moved to Greensboro. Hopefully, you enjoy the peek into our lives over the course of this series!

Adventures of a New Homeowner - Who Loves to Paint?

Note: As a new homeowner, I wanted to share some of the personal experiences my wife and I have had as we moved to Greensboro. Hopefully, you enjoy the peek into our lives over the course of this series!

Adventures of a New Homeowner- Home Warranty Edition

Note: As a new homeowner, I wanted to share some of the personal experiences my wife and I have had as we moved to Greensboro. Hopefully, you enjoy the peek into our lives over the course of this series!

Book Review: Alexander the Great by Philip Freeman

Join the Plybon Book Club! In the first authoritative biography of Alexander the Great written for a general audience in a generation, classicist and historian Philip Freeman tells the remarkable life of the great conqueror.

They Are Called Benefits for a Reason: I Love Paying Taxes!!

Employee benefits and insurance coverages are complicated, and none of us are taught this stuff in school.  But they play a huge role in all our lives, and it is important we understand how they work and how to use them.

Book Review: Range by David Epstein

Join the Plybon Book Club! Each month we’ll spotlight what we’re reading to inspire us in our daily lives. First up, Trey gives us insights into “Range” by David Epstein.

Ian Bremmer

Wed. March 18 | 10am PT Join renowned political scientist Ian Bremmer for a trip around the world in 20 minutes. Ian unpacks the geopolitical landscape and its impact on the U.S. economy, climate issues, cybersecurity, and more. He shares why we should feel optimistic about the post-pandemic recovery, as well as the principal global […]

My Guitar (Not So) Gently Weeps

Getting back to playing was hard after a few months away.  None of it was fun.  And for a bit, I thought, “Why even start again?” It reminded me of all the times I have stopped a savings plan, and then tried to restart.  

And So It Begins

The first week at a new job… in the middle of a pandemic! And, I wouldn’t want it any other way. Yes, I had doubts and fears… but I also had the thrill of knowing I was doing something to better my future for myself and my wife.

Jonathan Godsall

Wed. February 24 | 10am PT Jonathan Godsall provides data-driven insights into how the insurance industry is adapting to meet the expectations of the client of the future. Watch the replay to hear more about the trends reshaping the industry, the changing needs of consumers, and the importance of expanded and enhanced digital capabilities.  

Andy Friedman

Wed. February 17 | 10am PT Andy Friedman provides a comprehensive review of the new Washington landscape and its potential effects on taxes and investing.  

Have Your Cake… and Eat It, Too.

“I wish I had some kind of ‘guard rails’ that would keep me on my diet track. An automated system that took the cake away before I ever even saw it. Will Power that didn’t rely on my own ‘will’. I don’t have them for my diet, but I do for saving money.”

Paulo Pinho

Wed. January 27 | 10:00 am PT Dr. Paulo Pinho looks at why COVID-19 has caused challenges finding coverage for jumbo cases and older clients. Dr. Pinho discusses co-morbid conditions and how they exacerbate COVID-19, how reinsurers view COVID-19, the keys to success for the vaccines, and what has to happen before things return to […]

Holiday Cocktails with a Twist

We’ve shared some of our favorite holiday recipes with you… now it’s time for our favorite cocktail recipes (with a couple of twists). Happy holidays to all of you and CHEERS to the end of 2020!

Economic Outlook 2021: We Are Off to See the Wizard.

I’ve been reading a lot of Economic Outlooks lately, experts looking into their “crystal balls” and forecasting the economy for 2021.  Some look great, some not so much… but certainly no shortage of predictions. As a financial services professional, people ask me a lot what I think is going to happen next year.  So I submit to you my Economic Outlook for 2021:

Kedra Newsom

Wed. October 28 | 10:00 am PT Kedra Newsom of Boston Consulting Group engaged the M Community in a robust discussion about women’s wealth and the complex needs of HNW and UHNW women. She shared specific strategies for advisors in this market and how the industry is changing to better reach this audience.  

Paul Ryan

Wed. October 7 | 10:00 am PT M Financial was honored to welcome Paul Ryan, former Speaker of the U.S. House of Representatives, as our fall Future of Insurance keynote speaker. From his two decades in office to the founding of the nonprofit American Idea Foundation, Paul Ryan’s career has focused on public policy and […]

‘Tis the Season

With every day that passes, more and more risks come into play with an inadequate life insurance plan.  Only you can decide how much you need, or if you need it at all.  But if you do need it (and I bet you do), at least make sure what you have is working like you want it to.

Carrier Discussion

Wed. September 23 | 10:00 am PT Henry Wong & Tod Nasser – John Hancock & Pacific Life Wondering how the current state of the economy and capital markets are impacting carrier portfolios and investments, and what that means for new business? Tod Nasser of Pacific Life and Henry Wong from John Hancock engaged in a panel discussion […]

Golf bag with no putter? Never.

September is Life Insurance Awareness Month.  Why do we have life insurance awareness month and not real estate or mutual fund or investment awareness month?  Because life insurance is a unique – and may be the most important product – in your financial portfolio. 

Something to Celebrate

I’d suggest you spend a few minutes with a knowledgeable person whom you like and trust, and make sure your life insurance coverage is exactly what you want it to be.  And that will be something to celebrate.

Don Delf

Wed. September 9 | 10:00 am PT Don Delf, Private Wealth Advisory Leader for PwC US, brought his legacy and expertise in private wealth to answer the trillion-dollar question: What’s top of mind for business owners and family offices heading into elections and uncertainty? Don also explored how elasticity of exemptions is critical in the […]

Waze of the World

I think about Waze a lot when working with families and business owners.  We help them map out the ways (no pun intended) to financial security.  Over the years, we reinforce that they are on the right track, even when they know where they are going and how to get there.  Along the way, we identify potential delays, and we plan for and navigate around them.  

Back to School... sort of

We plan, and when the time comes we put those plans into action and we keep moving forward.  Who knows when it will rain or for how long… but when it does (and it will), we will be ready.

Tony Arnerich

Wed. August 12 | 10:00 am PT Multi-Impact Asset Management in the Current Economy Tony Arnerich explored current trends related to ESG (environmental, social, governance) investing, intentional investing, and wealth transfer to the next generation. He demonstrated how the pandemic has created opportunities for environmentally and socially responsible investing and the implications to your clients’ […]

A Beautiful Smile

I let him know that while it was not inexpensive, it was fair and worth it and something we wanted to do.  More importantly, it was something his Mom and I had been planning and saving for.

Scott Clemons

Wed. July 29 | 10:00 am PT Investing in the Wake of a Pandemic Scott Clemons, Chief Investment Strategist for Brown Brothers Harriman, examined the data around the pandemic’s effects on the economy. He also discussed the impact for insurance companies managing large amounts of money, what it means for your clients’ portfolios, and the […]

They Are Always Listening.

This is part of our month-long series we hope will inspire parents to discuss financial literacy with their children. It’s never too early to start saving!

Zanny Beddoes

Wed. July 15 | 10:00 am PT Our Global Economy in the Post-Pandemic World KEYNOTE SPEAKER: Zanny Minton Beddoes – The Economist Named one of the Most Powerful Women in the World by Forbes, Zanny Minton Beddoes is a leading voice at the intersection of economics and policy. Known for delivering sophisticated insight on all facets of […]

I Want a Hamburger… No a Cheeseburger.

It frustrates me that we don’t do more in this country to prepare our children for the financial world they’ll be thrust into.  It isn’t about trying to get rich.  It’s about understanding concepts, making good decisions (and understanding how bad ones can affect you), valuing a dollar earned, recognizing that time is your most valuable asset and that “rainy days” happen. 

Marc Cadin and Armstrong Robinson

Wed. June 24 | 12:30 PT COVID = Accelerant for Change AALU/GAMA’s Marc Cadin and Armstrong Robinson examined developing political trends and what financial professionals should expect through election day. They also explored the long-term impact of recent regulatory and legislative actions and identified the top opportunities and threats these regulations will generate for financial […]

Marc-Andre Giguere

Wed. June 17 | 11:00 am PT What do your HNW clients and key advisors need to know about how the reinsurance sector is responding to current What do your HNW clients and key advisors need to know about how the reinsurance sector is responding to current market conditions? Marc-Andre Giguere discussed possible ripple effects […]

I Have a Dog, and Her Name is River.

I spend lots of time helping friends prepare for the future, planning for the changes and surprises we know are out there but cannot see coming.  What lies ahead can be scary.  But often it is great.  The surprises can be wonderful.  

Doug French

Wed. June 3 | 10:00 am PT Beyond COVID 19 – How the insurance industry will reimagine their business. Doug French, Ernst & Young’s Managing Principal of Insurance & Actuarial Services, examined the current economic disruption, its impact on the global insurance marketplace, and the effects on wealth transfer for the UHNW client, followed by […]

Colin Devine

Wed. June 3 | 10:00 am PT Outlook for the U.S. Life Insurance Industry After COVID-19 Colin Devine, Principal of C. Devine & Associates, examined the current status of the U.S. life insurance industry and how life insurers are doing amid COVID-19. Colin offers deep insights into what to expect in the coming months, the new […]

Dr. Quincy Krosby

Wed. May 6 | 10:00 am PT Of the Moment Market Outlook Dr. Quincy Krosby, Prudential’s Chief Market Strategist, discussed how the pandemic is impacting financial markets and the overall economy. Dr. Krosby explored the recent and rapid shift in consumer behavior and the emergence of new technologies for navigating the current landscape, and she […]

What the CARES Act Means for Retirement Plan Participants

The Coronavirus Aid, Relief, and Economic Security (CARES) Act offers about $2 trillion in funds to help the nation weather the pandemic. The portions of the law that are particularly relevant to individuals who participate in qualified retirement plans are highlighted in the document linked below.

Jeff Bush

Wed. April 22 | 9:30 am PT An Overview of the Political Environment, Prospective Legislation, and Strategies for Investment and Retirement Planning Jeff Bush and Andy Friedman have collaborated on a 2020 presentation that addresses all of the issues brought about by the recent coronavirus pandemic. In his April 22 presentation, Jeff explored the details […]

COVID-19 Financial Tips + Wellness Classes

In the days and weeks ahead, we will be providing content here that hopefully will help you cope financially with the COVID-19 virus.  Some will be news updates, some will be planning suggestions, some may just be sayings and stories meant to educate and inform, while also putting a smile on your face…. but all are meant to help us as we navigate this new world.  We are all in this together, and together we will get through it.

Capital Markets Review Q1

The U.S. equity market declined 20.9% in the first quarter, posting its worst quarterly performance since the 2008 Global Financial Crisis.

Message about COVID-19

Plybon & Associates is open, working regular office hours (and then some!), and is ready to assist you in any and every way.  We are all healthy, as are our families, and hope you are as well. 

401k and COVID-19: Dos and Don'ts

While it is easy to understand why some may be questioning their retirement plan choices, reactionary decisions to short term market conditions can lead to severe consequences down the road.

Planning for Tomorrow, Enjoying Today

Today I’m not thinking about the future so much.  I’m remembering the past and embracing today, and reminding myself that all three – past, present and future – are important.

All I Want For Christmas Is a Magic Telescope

Whether it’s a 401k or Roth IRA, a Simple Plan or simply a plan, retirement savings magically allow us to glimpse at our futures and see our lives years down the road.  Even better, they allow us to change the future if we don’t like what we see.

It’s Raining. It’s Pouring.

Whether it is for a large business or a small family, every financial plan needs good umbrellas.  Risk management is not as sexy as saving and investing, but it is equally important (if not more so) and can waylay the best laid plans. 

Albert Einstein, the Big Three Questions and You

Since 1776, this country has done little to nothing to help its citizens learn about personal financial planning, and yet seems surprised when studies show that Americans are unprepared financially, savings rates are too low, debt is skyrocketing, significant risks are left unaddressed, etc. Going forward, we will be sharing thoughts and ideas here that we hope can be a resource for you and your family, and will help you achieve the safety, security and future you want and deserve.

Jean Baptiste, How did you know?

When French philosopher Jean Baptiste Alphonse Karr wrote, “Plus ca change, plus c’est la meme chose” in 1849, I’m pretty sure he wasn’t thinking about financial obstacles for high net-worth families and business owners…

Never Too Late to Learn Johnny Cash

For as long as I can remember, I’ve been listening to the late, great Johnny Cash. Those first few notes of “Folsom Prison Blues” are as awesome to me today as they were over 40 years ago.

Morgan Freeman and the Retirement Plan Redemption

Retirement plan participants hear a lot of “noise” about investing.  It can be intimidating and confusing, and can ultimately turn a lot of people off.  Don’t make investing overly complicated, and don’t let it stop you from saving.