The Presidential Cycle and Your Investments: What Every Beginner Investor Needs to Know

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Navigating Market Seasons Like a Monk

Once upon a time, in a serene monastery nestled in the mountains, a wise monk named Tenzin shared a story with his disciples. “Every year,” he said, “there are four seasons — each with its own unique beauty and challenges. The secret to a flourishing garden is understanding when to plant, when to nurture, when to harvest, and when to rest.”

Investing, much like tending a garden, has its own cycles. One of the most interesting yet lesser-known cycles is the Presidential Cycle — a pattern that shows how stock market performance tends to ebb and flow based on the U.S. presidential term. Today, we’ll explore what this means for you as a beginner investor, and how you can use this knowledge to grow your financial garden, one mindful investment at a time.

Understanding the Presidential Cycle: A Brief Overview

Just as monks (and gardeners!) observe the changing seasons to plan their gardens, savvy investors observe the four-year Presidential Cycle to strategize their portfolios. Here’s the essence of it:

• First 2 Years of the Presidential Term: Historically, these years are more volatile and challenging for the stock market. New presidents often introduce policy changes, tax reforms, or regulatory adjustments that can create uncertainty among investors. Think of this phase as winter — when conditions can be harsh, and it’s best to be cautious.

• Last 2 Years of the Presidential Term: The markets tend to perform better in the third and fourth years, especially the pre-election year. Why? Presidents, eager to boost voter confidence, often implement economic stimulus, pro-growth policies, or favorable legislation. This is like the arrival of spring, bringing optimism and new opportunities for growth.

Historical Data Speaks Volumes

Let’s look at the numbers. Since 1930, the S&P 500 Index has shown an average return of around 4% during the first two years of a presidential term. In contrast, the last two years often yield stronger results, with returns averaging about 10% to 13% during the pre-election year​, according to IG andKiplinger.com.

This pattern isn’t just a coincidence; it reflects how politics can influence economic policies, corporate sentiment, and ultimately, market performance.

And get this: these stats work no matter which party is in the White House over the long term!

Mindful Investment Strategies for Each Phase

Now, how can you, as a beginner investor who enjoys the calm of meditation, leverage the Presidential Cycle to your advantage? Let’s break it down:

Phase 1: The First Two Years (Navigating Winter)

In the initial years of a new president’s term, the market often faces headwinds. Policies are shifting, and the future can feel uncertain — much like navigating through a thick fog. This is a time to be cautious and embrace a defensive strategy:

Focus on Stability: Consider investing in stable, dividend-paying stocks or sectors that are less sensitive to political changes, such as utilities and consumer staples.

Diversification is Key: Just as a monk diversifies his daily practices — balancing meditation, chores, and teachings — diversifying your portfolio across various asset classes, such as with the Serenity Portfolio I have written about on this channel, can mitigate risk.

Meditative Insight: During this volatile period, practice patience. Remember the Zen saying, “Sitting quietly, doing nothing, spring comes, and the grass grows by itself.” Sometimes, the best action is no action — resist the urge to react impulsively to market noise.

Phase 2: The Last Two Years (Embracing Spring)

As we enter the second half of the presidential term, optimism usually blooms. Economic policies become more favorable, aiming to boost the president’s popularity before the next election. Think of this as spring — a time of renewed growth and opportunity.

Growth Potential: This is the time to consider growth-oriented investments, such as technology stocks or emerging markets, which may benefit from pro-business policies.

Rebalance for Growth: Just like monks adapt their meditation routines and gardeners replant their flower beds as the seasons change, you may want to rebalance your portfolio to capture the upside potential during this favorable market phase.

Meditative Insight: Embrace the flow of abundance. As the Buddha said, “The mind is everything. What you think, you become.” Approach this phase with optimism, but remain mindful of your long-term goals.

Current Outlook: Where Are We Now?

As we stand at the beginning of a new presidential term, it’s crucial to understand that the market often experiences a cooling-off period during this phase. The past two years have been above-average years for the stock market, with exceptional growth rates driven by fiscal stimulus and the beginning of a rate-lowering cycle of the Federal Reserve. However, history suggests that the early years of a new presidential cycle can be marked by slower growth and increased volatility.

Expect Slower Growth Ahead: Given the exceptional returns we’ve seen recently, it’s unlikely (though not impossible) that the market will sustain the same level of growth in the next 12–24 months. New administrations often focus on policy changes and fiscal adjustments, which can introduce uncertainty and dampen investor sentiment in the short term.

Why This Matters for Your Portfolio: As we brace for this period of potentially slower growth, now is a good time to revisit your investment strategy. We may want to adopt a more balanced or even defensive approach, focusing on a combining assets in a way that can weather economic fluctuations. A balanced risk profile will be key as we navigate this early phase of the presidential cycle.

Looking Ahead: While the next couple of years might present challenges, remember that the market is cyclical. Historically, the latter half of the presidential term tends to be more favorable for stocks, driven by pro-growth policies aimed at boosting voter confidence ahead of the next election. Our goal is to stay patient, mindful, and strategically positioned so that when the market momentum shifts, we are ready to capitalize on new opportunities.

By understanding the presidential cycle, we can align your portfolio to not only protect your wealth but also position it for growth as the cycle progresses.

The Power of Mindfulness in Investing

While the Presidential Cycle provides valuable insights, remember that no strategy is foolproof. The market, much like life, is full of surprises.

This is where mindfulness and a long-term view come in. Just as monks practice meditation to stay centered amidst chaos, you too can use mindfulness to stay calm and make informed decisions, even during market volatility.

Here’s a simple practice:

Mindful Investment Check-In: Before making any investment decision, take a moment to pause. Close your eyes, take a few deep breaths, and ask yourself: “Does this align with my long-term goals?” This pause can help you avoid impulsive decisions driven by fear or greed.

Conclusion: Tending Your Financial Garden

As the wise monk Tenzin said, “A garden that is well-tended will bear fruit in its season.” By understanding the Presidential Cycle and applying mindful investment strategies, you can navigate the seasons of the market with confidence. Remember, investing is a journey — one that requires patience, wisdom, and a touch of serenity.

I hope you found this exploration of the Presidential Cycle insightful. If you have any questions or want to discuss how to optimize your portfolio for the upcoming market cycle, feel free to reach out here: https://pineridgewealth.com/#ask-a-question. Together, we can navigate these financial seasons and achieve your investment goals.

This article is intended for residents of the United States only. Not all of the products and services mentioned on this site may be available in your state.

The information in this article is not an offer or solicitation of an offer to buy or sell specific securities. Nor is it an endorsement or recommendation of the specific securities mentioned. It does not constitute personalized investment, financial, legal, or tax advice. Nor should it be misconstrued as a solicitation of investment advisory services. It is for informational and educational purposes only and presents the author’s interpretations and opinions which are subject to change without notice.

Research for this article was done thoroughly from sources the author believes to be reliable and trustworthy, but the author cannot guarantee that the presentation is complete or correct.

Investments in stocks, ETFs, and other securities can lose value. There is no guarantee that this information will lead to investment returns or profits. Historical results and analysis are not a guarantee for future results. Model portfolio returns may not be achievable by all investors.

Each person’s situation is unique. Please seek professional advice from the qualified financial advisor of your choice about your investment decisions, and your attorney and accountant concerning legal and tax questions.

My firm Pine Ridge Wealth LLC (PRW) is an investment adviser registered with the State of North Carolina. PRW may only conduct business with residents of the states and/or jurisdictions in which it is properly registered.

Neither PRW nor its representatives are affiliated with the issuing companies or fund sponsors mentioned in this article. However, PRW and its representatives may own, plan to own, or otherwise have an interest in individual securities mentioned in this article, and may benefit from you buying these particular securities.

For further information, including PRW’s current full-disclosure brochure, see www.pineridgewealth.com.

The 6 Meditation-Inspired Investing Principles

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How training your mind can lead to financial peace and stability.

A young monk approached his teacher with a worried expression. “Master, every time I sit to meditate, my mind races with thoughts. I think about the chores I haven’t done, the conversations I had earlier, even whether I left the monastery gate unlocked. I’m always distracted!”

The master smiled gently and said, “Come with me.” He led the young monk to a bustling market in the nearby village. The noise was overwhelming — vendors shouting, children playing, animals braying. “Now, meditate here,” the master instructed.

The young monk was puzzled but followed the instruction. He closed his eyes amidst the chaos. After a few minutes, the master asked, “How do you feel?”

“Distracted, confused, anxious,” the monk replied.

The master nodded. “This market is like your mind. It will always be noisy. Your task is not to silence it but to find stillness within it. Just as the market will never be completely quiet, neither will your mind. Learn to be still, even when surrounded by noise.”

Have you ever noticed how your mind races when you sit down to meditate? Thoughts swarm like a chaotic market, and your attention bounces between them, trying to keep up. Investing can feel the same way. Many of us are swept away by the noise of financial news, market fluctuations, and the emotional rollercoaster of gains and losses. But just as meditation helps us find peace amidst the chaos, mindful investing can bring clarity and calm to your financial decisions.

Before we continue, keep in touch and sign up for my newsletter here.

Here are six meditation-inspired principles to transform your investing practice:

1. Emotional Reactions Cost You Returns — Practice Patience

Did you know that the average investor underperforms the market due to emotional decisions? Many investors buy high when euphoric and sell low when panicked, which leads to underperformance.

Think of it like meditation: when thoughts arise, the impulse is to chase after them. In investing, emotions like greed and fear are the thoughts that lead us astray. But a mindful investor, much like a seasoned meditator, learns to observe these emotions without acting on them.

To truly understand why we react emotionally in investing, it helps to look deeper — not just at our thoughts but at our very human nature. Our entire being is wired to chase pleasure and avoid discomfort. Knowing this, we can be compassionate with ourselves, understanding that learning to invest wisely is a gradual process, much like meditation.

Key takeaway: Each time you recognize an emotional reaction in the markets and choose not to act on it, you’re training your mind. Over time, this practice reduces the cost of impulsive decisions.

2. The Market, Like the Mind, Thrives on Stillness

Financial markets often feel like that chaotic village market: unpredictable, noisy, and overwhelming. But here’s the truth: it’s not the external world that’s chaotic, but our reactions to it. Just as meditation helps us observe our thoughts without identifying with them, a mindful approach to investing allows us to see market trends without overreacting.

By applying what we practice on the meditation cushion — cultivating awareness of the present moment — we learn to observe financial news and market fluctuations with detachment. Instead of getting caught up in every rise and fall, we remain grounded, adhering to our long-term strategy.

Key takeaway: Observe the market like you observe your thoughts — without reacting.

3. Focus on the Long-Term

Meditation teaches us the value of focusing on the present moment, but it also instills the wisdom of impermanence: everything changes. Markets rise and fall, but over time, they trend upwards. A mindful investor takes the long view, focusing on years and decades, not days and weeks.

Consider index investing: instead of trying to time the market, mindful investors may choose total market investments or broad indices like the S&P 500. This approach leverages the natural growth of the economy without the stress of constant decision-making. It embodies the concept of “Investing in Absence,” where you set your strategy and step back, letting time and the market do the work.

Key takeaway: Just as discomfort in meditation passes, so do market downturns. Trust the long-term process.

4. Use Mindful Pauses Before Making Financial Decisions

A helpful technique borrowed from meditation is the “pause.” When faced with a financial decision, pause, breathe, and give yourself space to respond thoughtfully rather than react impulsively. This practice of intentional pause can transform your investing approach, reducing stress and enhancing clarity.

Key takeaway: Practice mindful pauses. The space between stimulus and response is where wisdom lives.

5. Simplify Your Investments to Reduce Anxiety

Meditation helps declutter the mind, allowing us to focus on what really matters. The same principle applies to investing. The more complex your strategy, the harder it is to maintain peace of mind. Over time, I’ve learned that simplicity in investing — just like in meditation — leads to better outcomes.

I call this the Serenity Portfolio — a simple, well-diversified approach designed to be “set and forget.” By simplifying your investments, you reduce anxiety and free up mental space for what truly matters.

Key takeaway: Keep it simple. Simplified portfolios lead to a simplified mind.

6. Be Kind to Yourself: Investing Is a Gradual Learning Process

Just as you wouldn’t expect to achieve enlightenment after a single meditation session, you can’t expect to master investing overnight. Both are lifelong practices of learning, adjusting, and growing. Be compassionate with yourself and remember that progress, not perfection, is the goal.

Each time you resist the urge to react emotionally to the market, you’re making progress. Embrace the journey of becoming both a mindful meditator and a mindful investor.

Key takeaway: Be kind to yourself. Investing, like meditation, is a journey of gradual growth and self-compassion.

Ready to Transform Your Financial Journey?

By training your mind to steady the market inside of you, you will find not just financial success, but also a deeper sense of inner peace. Start with small steps. If you don’t already meditate, begin with a simple daily practice. If you do, apply those same principles to your financial life.

To dive deeper into how mindfulness can revolutionize your investing approach and bring you closer to financial freedom, order my book Investing in Absence: How to Ignore the Markets, Come Out Ahead, and Have Peace of Mind While Meditating for 3 Months.

Order Your Copy Here

Let the journey of mindful investing be your path to both wealth and wisdom.

Balancing Return with Preparedness: Investing in Peace of Mind

🧠 Ever think about how prepared you are for life’s unexpected moments?

Recently, I had to evacuate due to Hurricane Helene, and the experience left me with a profound realization. As I passed by people standing in line at a gas station where cash had now become the only accepted form of payment, it hit me: I had grown so accustomed to the convenience of digital payments — cards, apps, automatic transfers — that I had overlooked a crucial aspect of preparedness.

In that moment, I saw what I had been missing.

Many of us have our investments neatly organized — funds growing steadily through interest, dividends, and compounding over time. But what happens when life throws a curveball? What if the tools we rely on, like cards or online banking, suddenly become inaccessible?

Here’s where the idea of balancing return with preparedness comes in. When we set aside cash for emergencies, we might be giving up the opportunity for financial returns in the short term, but we’re making an important investment elsewhere: in peace of mind.

The Trade-Off: Return vs. Preparedness

Cash that sits in a drawer or a safe isn’t earning interest or compounding like the rest of your investments. It’s easy to see this as a missed opportunity. But in reality, that cash is invested in something equally valuable — your ability to weather a crisis without scrambling.

By keeping a small (or large) cash reserve, you’re essentially investing in preparedness — and that has its own unique return: peace of mind, security, and resilience when faced with the unexpected.

In our fast-paced world, we’re constantly encouraged to maximize returns, take advantage of market growth, and let our money work for us. But true financial wellness isn’t just about chasing returns; it’s also about creating a solid foundation that allows you to navigate uncertainty with clarity and confidence.

Safe, Accessible, and Usable: How to Keep Cash for Emergencies

If you decide to keep cash on hand for emergencies, it’s not just about setting it aside. You need to ensure that the cash is safe, accessible, and usable when it’s needed most.

1. Safe: The first priority is to protect your cash from fire, water, wind, and theft. Consider storing it in a fireproof and waterproof safe. This will give you peace of mind knowing that your emergency reserve won’t be wiped out by the very disaster you’re preparing for.

2. Accessible: In a crisis, speed matters. Your cash needs to be accessible at a moment’s notice — whether it’s to quickly pay for gas during an evacuation or to cover repairs. Keep it somewhere you can grab it quickly, especially if you might need to evacuate in a hurry. The last thing you want in an emergency is to waste time trying to retrieve funds.

3. Usable: Here’s a common mistake: people tend to store large bills, thinking it’s easier to carry $100 notes than $20s, $10s, or singles. But in an emergency, those big bills can be hard to use. Think of situations like paying for gas, groceries, or small repairs — vendors may not have change. Keeping a good mix of small denominations — singles, $5s, $10s, and $20s — ensures that you’ll have cash that’s easy to use. Reserve larger bills like $50s and $100s for specific purposes, like buying equipment (a generator, for instance), transportation, or emergency lodging.

A Personal Story: The Power of Being Prepared

During our evacuation from the hurricane, I was fortunate to have a mix of $5 and $20 bills with me. It made a world of difference. Not only was I able to pay for gas along the way, but I also had enough on hand to help my neighbor repair a flat tire.

He had generously volunteered his time and equipment to help us get out of the disaster zone, and being able to give him gas money and cover the repair costs was more than just practical — it was a way to show appreciation and keep things moving smoothly in a chaotic situation.

This experience showed me firsthand how important it is to be prepared — not just for myself, but to help others in a time of need. And that’s one of the biggest returns on your investment in preparedness: the ability to stay calm, focused, and even generous when the unexpected happens.

Balancing Brain Expansion with Grounded Preparedness

It’s easy to focus on expanding our minds, growing our portfolios, and embracing the convenience of technology. But balance is essential. Our brains may be wired for adaptation and growth, but they also need practical tools to stay grounded when life gets chaotic.

Preparedness, in all its forms, is a mental hack. It gives us the clarity and peace of mind to navigate crises without feeling overwhelmed.

In a world that’s constantly pushing us to chase bigger returns, let’s also remember to invest in simple, foundational habits that keep us resilient — like keeping an emergency cash reserve.

Take Action: How Much Cash Will Make You Feel Secure?

Now, it’s time to ask yourself: What would make you feel secure in an emergency? How much cash would give you peace of mind if your digital systems went offline?

Start with a small amount and build from there. Something like $5 in a safe place at home; then add $5 with every paycheck. Whether, after collecting it for a while, it’s enough for a week of essentials or enough to cover unexpected transportation needs, having cash on hand can be the difference between a smooth transition and a stressful scramble.

Your financial wellness isn’t just about growing your wealth — it’s about balancing return with preparedness. And in that balance, you’ll find peace of mind.

Ready to Talk It Through?

If this article has sparked some thoughts about your own financial preparedness and you’d like to dive deeper, I invite you to book a 30-minute Wealth Coaching Session with me. Whether it’s balancing your investments with real-world preparedness or creating a strategy that brings you peace of mind, we can work through it together.

Let’s ensure you’re not just financially secure — but ready for anything.
👉 Book your session here.

The Hidden Vulnerability of a Cashless World

Why (and when) cash is still king

In our increasingly digital world, we rely on convenience. Cards, contactless payments, apps — all make transactions fast and easy. But what happens when that digital world is suddenly taken away?

I recently had to confront this question head-on. Hurricane Helene hit my region hard, and we were forced to evacuate. Power lines were down, communication networks failed, and as the storm passed, something became painfully clear: digital payments were no longer an option.

Stores, gas stations, and essential services had switched to cash-only transactions. With card readers offline and ATMs out of service, it didn’t matter how much credit you had access to — cash became the only way to access what we needed: food, water, fuel, and other essentials.

I was relieved to find I had $150 at home, but in the midst of a long evacuation, that wouldn’t take me very far. Thankfully, a kind neighbor topped it off, handing me $77 he had stashed in his kitchen drawer. That money made all the difference. Not only did it help my wife and I evacuate, but it also allowed us to help a rescuer repair a flat tire on his truck during the process.

It was a humbling reminder: when the systems we rely on fail, cash becomes your lifeline. And while $227 got us through the worst of it, having more cash on hand would have put us in a better position to stick it out longer or help others more effectively.

The High Price of Being Unprepared

Let’s say you find yourself in a situation like mine. You’ve evacuated due to a natural disaster, and you’re relying on gas stations and stores to get by. But without cash, you have no way to pay. Your credit cards, your digital wallets — they all depend on the infrastructure that’s no longer functioning.

What happens if you can’t get the supplies you need?

• You’re stuck in the storm — literally and figuratively — without access to gas, food, or water.

• You experience heightened stress, not just from the crisis itself, but from the financial uncertainty it brings.

• You’re left scrambling, asking others for help or hoping things will be restored before your situation becomes dire.

I was lucky to have a neighbor who could offer help, but what if no one else around you has cash to spare? You might find yourself in a precarious position, unable to buy the essentials you need to stay safe, calm, and secure.

The bottom line: Having enough cash on hand in an emergency is not a luxury — it’s a necessity.

Why My Story Matters: Lessons from Hurricane Helene

I didn’t come to this realization overnight. I’ve spent years working at the intersection of money and mindfulness, advising clients on how to grow their wealth while also maintaining a sense of balance and peace of mind. But my evacuation during Hurricane Helene made me realize that, in times of crisis, financial preparedness takes on a whole new meaning.

When my wife and I evacuated, we were able to manage with the $227 we had on hand. That cash helped us leave our home, refuel the car, and even assist a rescuer when his truck broke down. But I couldn’t help thinking about how different the situation might have been if we hadn’t had that cash — or if we had had more.

More cash would have allowed us to stick it out longer, ride out the storm with more comfort, and even help more people along the way. That experience reinforced a truth I now share with all my clients and followers: just as we prepare our minds through meditation, we must prepare our financial lives for the unexpected.

I’ve seen firsthand how financial security impacts peace of mind. It’s one thing to discuss wealth management in theory, but it’s another to live through a situation where your financial preparedness — or lack of it — directly affects your well-being.

The Simple Yet Powerful Solution: Keep Cash on Hand

Here’s the solution, and it’s simple: Keep some cash on hand for emergencies. It’s a practice that’s been somewhat lost in the age of digital payments, but in crisis situations, cash is still king.

Now, I’m not here to tell you exactly how much you should keep in reserve. That’s a personal decision based on what makes you feel secure. For some, it may be $500; for others, it might be $2,000 or more. The key is to think about your own needs:

• How much would cover 1 to 2 weeks of essential expenses?

• How much would make you feel calm and secure if digital payments were unavailable for an extended time?

Reflect on what would give you peace of mind in an emergency — whether it’s a natural disaster, a power outage, or another unexpected event.

The Calm Before (and During) the Storm: The Benefits of Being Prepared

When you’re financially prepared, you’re not just holding onto cash — you’re holding onto peace of mind. Here’s what happens when you’re ready:

1. You stay calm during emergencies. You don’t have to worry about scrambling for resources or relying on others for basic needs.

2. You feel secure, knowing that no matter what happens, you can take care of yourself and your loved ones.

3. You focus on what truly matters — whether it’s protecting your family, securing your home, or navigating your next steps — because you’re not bogged down by financial anxiety.

Having cash on hand in an emergency is a small act of preparedness that delivers significant peace. Just as in meditation, where we prepare our minds to stay centered in the face of challenges, financial readiness keeps us grounded in times of crisis.

Final Thoughts: Your Peace of Mind Starts with Preparedness

When it comes to financial preparedness, there’s no one-size-fits-all answer. But there is one truth: being ready for emergencies, both mentally and financially, ensures you stay grounded no matter what life throws your way.

How much cash would make you feel secure in a crisis? Take a moment to reflect, and make sure your financial safety net is ready for whatever comes.

A Personal Update (Hurricane Helene Evacuation)

Dear Friend,

I hope this message finds you well. I wanted to take a moment to share a personal update with you.

My wife, our five cats, and I have just come through an intense experience with Hurricane Helene. Our home area (Busick, NC) was hit hard with over 30 inches of rain and high winds, leaving us without supplies, water, or power, and the 1.3 mile long access road to our home destroyed. Thankfully, we’ve been evacuated and are now safe and sound at a friend’s house, for which we are deeply grateful.

We are incredibly fortunate, but there are many in our community who have lost everything—homes, cars, and even loved ones. Thousands are still stranded without basic utilities, and while efforts are underway to restore normalcy, it will take months. In the meantime, I am working to rebuild my life and business. While we have safety now, my goal is to get back on our feet and restore independence, so I can support our community when rebuilding begins.

Through this storm, we’ve been shown incredible kindness from unexpected sources, and now, as we begin the journey to rebuild, I’m ready to work remote and would like to offer my expertise and services to anyone who could use a helping hand with their finances or investments.

If you'd like to know how you can best help us right now: buy from or hire me.

How I Can Serve You:

1. Pre-Order My New Book: Investing in Absence

I’m thrilled to announce the upcoming release of my book, Investing in Absence: How to Ignore the Markets, Come Out Ahead, and Have Peace of Mind While Meditating, coming out by the end of the year. This book is perfect for meditators and anyone seeking financial freedom without the constant stress of market fluctuations. It introduces a simple yet powerful approach to investing that allows you to step away from the markets—whether you're on a three-month meditation retreat or just living your life—while still growing your wealth.  

For a limited time, you can pre-order the PDF edition for just $10, and it will be delivered straight into your inbox. This book will help you balance your financial success with inner peace, providing a roadmap to long-term investing that doesn’t demand constant attention.

Pre-order here: https://pineridgewealth.com/investing-in-absence

2. Investment Management

As a licensed, registered investment adviser since 2023, I specialize in building risk-balanced, diversified portfolios designed to grow your wealth and generate passive income. My approach is aligned with your best interests, acting as a fiduciary with no commissions, only a flat management fee of 1% per year.

Typically, I work with clients who have portfolios of $100,000 or more, but right now, I’m reducing that minimum to just $10,000 to make it easier for more people to benefit from my services. My first client who started with me in November 2023, has seen a +17% return on her portfolio, and I’d love to help you grow your wealth in a similar way. (The long-term average return of my model Serenity Portfolio is about 11% annually, so we have had an above-average run so far.)

Email me here to enquire more information: cristof@pineridgewealth.com

3. Financial & Investment Coaching

If you prefer a more hands-on approach to managing your finances, I also offer coaching sessions to guide you through financial planning, investment strategy, debt repayment, retirement plan reviews, and more. My clients have used this service to save thousands in fees and boost their portfolios by tens of thousands. The sessions start at $125.

Whether you need a second set of eyes on your portfolio or strategic advice on budgeting and retirement planning, I’m here to help you navigate your financial journey.

Book your Zoom session here: https://pineridgewealth.com/wealthcoaching

If you’re interested in any of these services or know someone who could benefit, I’d be honored to work with you. With everything now set up remotely, I’m fully available to meet and assist you via Zoom and secure online access.

Thank you for all the support and encouragement you’ve shown us. We appreciate you more than words can express, and I look forward to the opportunity to give back by helping you grow your wealth and achieve your financial goals.

Warmly,  
Cristof Ensslin  
Founder & Investment Adviser  
Pine Ridge Wealth LLC

cristof@pineridgewealth.com