Client Communication Briefings

September 24, 2001

     Looking back to the results of the market in its first full week of operation since the terror attacks, one could easily conclude that the economy has been dealt a damaging blow. I would have to agree that the picture from last week wasn’t pretty while the domestic and world markets continued to feel the pain, grief, and loss from the attacks. I can also say that I remain confident that the economy will stage a defiant comeback and show those who would see us brought to our knees the real stuff that Americans are made of. Our financial markets work, even in times of crisis and we will eventually see this trying time yield positive results as we have throughout history.

    At the end of the trading week, the Dow was down 14% while the already ailing NASDAQ suffered a 16% loss. As expected, the airlines suffered the most significant losses (37% overall) and announced close to 100,000 layoffs. The week did not prove any more positive for many of the other sectors as confidence ebbed and uncertainty flowed on Wall Street.

    Amid the haze that seeped into the markets as if from the smoldering WTC itself, there were some rallying moments. The Fed’s willingness to inject billions of dollars of liquidity into the banking systems designed to enable commerce to flow. The 50bp rate reduction was called even before the markets opened on Monday. President Bush provided an inspiring speech to Congress on Thursday – perhaps one of the most powerful messages ever delivered. Greenspan held audience with the Senate where he trumpeted the market’s excellent long-term prospects. Congress infused a $40 billion rebuilding funding package. Despite their failure to produce immediate positive influence on the markets, these actions help position the US economy for a return to strength.

    You may have asked yourself, as certainly I’ve been asking myself, "what can I do?". Perhaps the most important thing that we can do is to continue being productive citizens. Our diversity and creativity will come together as we confront and overcome this crisis. The President has called for our support in living our lives as normally as possible. We should travel as we planned to—air travel is probably safer now than it ever has been before. We should proceed with making the purchases we planned before September 11. Avoid the urge to panic sell our stock investments. Continue to produce the goods and services that America and the world needs from us. Most importantly, we should keep the faith. We are the greatest people living in the greatest country in the world and we will overcome this crisis just as we have in the past and will continue to in the future. We have had emotional, physical and financial damage inflicted on our nation, but we will show the world that terrorism will not and can not withstand the unity and determination of the American people.

    In the wake of these events and the days ahead, please contact us if you anticipate any significant changes in your personal situation so we can assess and implement the appropriate response. We remain open and appreciative of your comments and stand ready to assist you with your concerns.

    Live life fully, stay well and happy, and trust that this too shall pass.

Sincerely,

Michael P. Haubrich, CFP