As graduation season ends and we begin gearing up for summer, we hope you are finding time to enjoy the warmer weather with family and friends. However, the ongoing uncertainty of the markets, the recent slew of senseless mass shootings, and other negative world news may be putting a damper on a usually fun and cheerful time of year.

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After weeks of declines, the S&P 500 equities index had its worst month in April since March 2020.^[2],[3] It fell 8.8% and is down over 13% for the year, which is the worst start to a year since World War II.^[4] Investors have felt pain across multiple asset classes—bonds suffered the brunt of investor exodus, with world government debt on course for its biggest loss since 1920.^[5]