As I write a year end newsletter to clients I find this quote exceptionally inspirational.  At the present moment, US stock market indexes (weighted by their market capitalization or size) are overvalued significantly in relation to the rest of the world.  But all is not lost.  Within the US there is a great disparity in valuations.  We have a number of ways to capitalize on this disparity that are low cost, tax efficient, and designed to give access to long-term market performance with substantially less risk of permanent loss of capital.  Feel free to contact me at 864-335-9211 to learn more. Thanks, Ken