4th Quarter 2018 Market Update

Welcome to 2016! Well, the financial markets have not welcomed it with quite that friendly
of a greeting thus far. They say that if you predict something enough you will eventually get it
right. While in a very small form, the Federal Reserve Board finally raised interest rates a
whopping .25% this past quarter. This was the first raise in interest rates in many years and
represents what will likely be a longer term gradual increase in rates from the Federal
Reserve in the coming years. This will change the nature of the bond markets and have
affects on many industries both good and bad. This lower price in oil will likely result in a
higher expendable income for most household budgets and we expect markets to reflect
that increased spending in the coming year. . We remain focused on the long term and I
have been working to and will continue to work to contact you to check on your status as we
are still confident in our markets and the plans we have put together for you. For many of
you, this will provide a buying opportunity as short term drops allow for higher long term
gains in many cases. Don’t hesitate to reach out if you have major concerns as I am here to
help in any way I can.

On the Personal Side:

The girls continue to amaze me while keeping Evan and I on our toes. We had a wonderful
holiday here in balmy Greensboro. Santa came even though my four year old Amelia is
already skeptical of his existence and exploded pink and purple toys we didn’t even know
we needed into our living room. Always wanting to be involved and help, she has requested
chores and wants to be involved in the kitchen. This quarter saw a lot of action in the form
of spaghetti that didn’t quite make it into the trash can and a really happy dog licking the
floor. Lila is entrenched in the world of the latest kid toy craze “Shopkins” and actively
trades them with her first grade counterparts. She is also on her first venture into the world
of selling Girls Scout Cookies and excited about the whole concept. Evan has begun the
very frigid business of training for the Boston marathon in April. She has also been juggling
our household needs, running a business, volunteering at the school and in the
neighborhood and somehow finding time to go on a date night or two from time to time.
Research has started on how she somehow manages to fit more than 24 hours in each
day. I have continued to enjoy my new hobby of going out at night with a head lamp to build
a tree house for the girls and storage shed underneath and the cold weather has slowed the
final stages of this project.

On the business side:

We close out the past year and have titled 2015 as the “Year of Change.” In this time, we
have merged with my father in law Steve and built on those successes. With the growth
came changes in personnel, systems and even an office update. We have already seen a
large amount of positive feedback regarding the new team we have as well as the wealth
management platform we have incorporated as a way to better serve our clients. As we
start 2016, the business plan calls for a lot less change as we continue to refine and work to
produce the best financial planning experience available.

Social Media:

If you have not already done so, please connect via LinkedIn or Twitter
at @mattloganinc or follow me on Facebook where you will find timely articles and
regular TV interviews.

Referrals:

With the beginning of the year starting off in such a dramatic way, many people are
reviewing their investments and reaching out for help in the form of a new relationship or a
first relationship with a financial professional.

Online Access:

We have consolidated our online account access through E-money. To access your
accounts, click here. If you have never accessed your accounts online, send me an email
and I will make sure that full instructions are emailed to you so that you can be set up.

The Bus:

This past quarter, the bus took homeless from downtown to various churches for a
Thanksgiving meal which was definitely the highlight of the buses existence in my opinion
and really made for a special time for some folks in a rough spot. It also attended the UNC
Clemson game, was used by various businesses including us. Please reach out if you are
looking for auction items for any non profit entities as we would love to contribute.
For more info go to www.whythebus.com

Featured News Interview:

The Lifestyle Creep

4th Quarter Market Outlook:

With the current market volatility, I have been focused on conveying a market update to
each of you that can put some of the current information into perspective. The attached
document, Fourth Quarter 2015 Market Outlook, explores the current economy.
Sincerely,
Matt Logan

Disclosure: The views stated in this piece are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results.

The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ.

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