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The newsletter explains how markets often respond quickly to conflict and how volatility can settle over time, using historical examples to contextualize investor behavior. It emphasizes maintaining long-term discipline, reducing emotion-driven decisions, and revisiting relevant plan elements. The issue also introduces Emma Smith to the Cornerstone team and highlights estate planning considerations and upcoming events.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/insights-newsletter-issue-1-2026/203904/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/insights-newsletter-issue-1-2026/203904.png","ImageObject",300,407,{"name":92,"@type":93},"Paura","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-08","2026-09-04",true,{"@type":102,"interactionType":103,"userInteractionCount":34},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"How do markets typically react to geopolitical crises?","Question",{"text":112,"@type":113},"Markets often react quickly when conflict drives headlines, and historical patterns suggest the effects can be shorter-term as investors gradually absorb news rather than making purely emotional long-term decisions.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"Why can long-term decisions suffer during volatile periods?",{"text":117,"@type":113},"Investors may lose ground during volatility when long-term choices become driven by short-term emotions instead of the original plan.",{"name":119,"@type":110,"acceptedAnswer":120},"What estate-planning topics does this issue call out?",{"text":121,"@type":113},"It highlights cases such as including land, a business, or a cabin in an estate plan, and planning for heirs with different needs, responsibilities, or life circumstances.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},203904,1790034854,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":34,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":41},13056712833777,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","INSIGHT S NEWSLETTER  \nISSUE 1 | 2026  \nIn this issue  \nMarket Perspective............ 2  \nWelcome Emma Smith ...... 3  \nEstate Planning ................... 4  \nUpcoming Events ............... 5  \nRetirement Tax Checklist ............................... 6  \nWhen Taking Social Security Early Might Make Sense ......................... 8  \nWhat’s Worth Revisiting This Spring ...........................11  \nThe Value of a Thoughtful Plan  \nThere are times when financial planning feels especially personal because the questions in front of you feel more immediate. Headlines get louder. Markets get less comfortable. Family responsibilities shift. A conversation you meant to have “sometime soon” starts to feel more important.  \nAt Cornerstone, we believe the value of planning is not just in spreadsheets, projections, or account performance. It is in helping you move forward with more clarity and helping you make decisions thoughtfully when the world around you feels reactive.  \nSo this newsletter is built around the kinds of questions you may be asking right now: How should we respond when markets feel unsettled? What part of our plan deserves a closer look? How can we make it easier for loved ones down the road?  \nAlthough no one can predict the future, markets often react to geopolitical crises in fairly consistent ways, with shorter-term effects than many expect. Investors often lose ground during volatile periods not because of the market itself, but because long-term decisions become driven by short-term emotions.  \nThat’s one of the ways we help—by bringing perspective when headlines feel unsettling and helping you think through whether anything in your plan truly needs attention. We’ll continue monitoring new information closely and will make thoughtful adjustments when needed. In the meantime, if questions come up, call us. We’re here to help you sort through the noise and focus on what matters most.  \nGordon D. Wollman  \nMS-Financial Planning, CFP®, ChFC, CMFC®, CRPS®, AWMA®, AAMS®, ChFEBCSM Founder and CEO, CFS  \nWealth Advisor, RJFS  \n[1 MyCFSgroup.com](1 MyCFSgroup.com)  \nMarket Perspective  \nWhen global conflict drives unsettling headlines, markets often react quickly. Historically, investors tend to sell as uncertainty rises, then:  \n• If conflict eases: markets often rebound  \n• If conflict continues: investors gradually absorb the news  \nThe bottom line is this: volatility often settles over time. Because of this pattern, geopolitical events frequently have shorter-term market effects than many expect. A few examples help put that in perspective:  \n1962: Cuban Missile Crisis—Dow down 1.2%, year-end up 10%1  \n1990: Iraq invades Kuwait—Dow down more than 18%, then recovered within months2  \n2022: Russia invades Ukraine—energy prices surged, but oil markets largely adjusted within a year3  \nWhen markets feel unsettled, perspective is often more valuable than a quick reaction. Moments like these are exactly why we’ve worked together to craft a thoughtful plan for your family.  \n1 “How Markets Respond to Geopolitical Crises,” A Wealth of Common Sense, awealthofcommonsense.com/2017/06/how-markets-respond-to-geopolitical-crises/  \n2 “Stock Market History: More Ups Than Downs,” Forbes, September 27, [2017. www.forbes.com/sites/johndobosz/2017/09/20/stock-markethistory-more-ups-than-downs/?sh=71324c093951](2017. www.forbes.com/sites/johndobosz/2017/09/20/stock-markethistory-more-ups-than-downs/?sh=71324c093951)  \n3 “Oil market has fully absorbed impact of Russia’s invasion of Ukraine,” Reuters, [www.reuters.com/business/energy/oil-market-has-fully-absorbed-impact-russias-invasionukraine-kemp-2023-03-09/](www.reuters.com/business/energy/oil-market-has-fully-absorbed-impact-russias-invasionukraine-kemp-2023-03-09/)  \nWealth Advisors  \nGordon D. Wollman  \nMS-Financial Planning, CFP®, ChFC, CMFC®, CRPS®, AWMA®, AAMS®, ChFEBCSM  \nFounder and CEO, CFS Wealth Advisor, RJFS  \nJill Mollner  \nMBA, CFP®  \nBranch Operations Manager Wealth ","cbCaigBQJqj0lmFj","https://ap.wps.com/l/cbCaigBQJqj0lmFj","pdf",1301947,12,"English","# Market Perspective\n## Welcome Emma Smith\n## Estate Planning\n## Upcoming Events\n## Retirement Tax Checklist\n## When Taking Social Security Early Might Make Sense\n## What’s Worth Revisiting This Spring","[{\"question\":\"How do markets typically react to geopolitical crises?\",\"answer\":\"Markets often react quickly when conflict drives headlines, and historical patterns suggest the effects can be shorter-term as investors gradually absorb news rather than making purely emotional long-term decisions.\"},{\"question\":\"Why can long-term decisions suffer during volatile periods?\",\"answer\":\"Investors may lose ground during volatility when long-term choices become driven by short-term emotions instead of the original plan.\"},{\"question\":\"What estate-planning topics does this issue call out?\",\"answer\":\"It highlights cases such as including land, a business, or a cabin in an estate plan, and planning for heirs with different needs, responsibilities, or life circumstances.\"}]","Insights Newsletter - Issue 1 - 2026 | PDF",1788564802]