In our last report of the year we will expand on the unhealthy but persistent forces driving the financial markets. Can the markets continue to rise amidst the global headwinds facing them? Quite possibly. But, investors need to be vigilant, nimble and properly diversified to maintain their appropriate risk tolerance. As a reminder, if you haven’t updated your risk profile questionnaire in a while, please e-mail Sue Simpson at and she will send you the link to enable you to do so.  Wishing everyone a safe and happy holiday from all of us at Consilience Asset Management.