Turbulent times test everyone’s resolve—whether you’ve taken the long view for decades, are just beginning to embrace it, or still find yourself leaning on stock-picking instincts. No matter your background, chances are you’re hearing more chatter lately—around the office, at the gym, or over cocktails—about “the market.” Some are panicked. Others are simply asking, “What should I do now? What are you doing?”

Here’s our suggestion: Pause. Breathe. And consider sharing a copy of Odds On with your friend or colleague. (Just call, email, or click here to send a hard copy or audio version.) If you’re feeling uneasy yourself, revisit the book—or better yet, let’s talk. Need a quick refresher? Start with the Odds On summary of key takeaways.

While there’s no substitute for a real conversation to calm the nerves, not everyone has an advisor on speed dial—or a sleepless night may strike at 2:00 AM. That’s where Odds On comes in. For nearly a decade, it’s helped readers stay grounded, especially when markets feel like a rollercoaster. Yes, the book will turn 10 before we know it—but the philosophy behind it is backed by over a century of evidence and forms the bedrock of how we invest at Hill Investment Group.

Styles may drift in and out of favor, but taking the Long View means committing to a philosophy that consistently puts the odds of long-term success on your side—regardless of today’s headlines.

So, if you’re feeling uneasy, give us a call. Or pick up your copy of Odds On and revisit a few highlighted pages. And if someone you care about could use a steadier hand, let us know where to send their copy. We can’t control the market—but we can help you control how you think about it.

At Hill Investment Group, we often say that real financial planning isn’t about being exactly right today—it’s about being less wrong tomorrow.

That may sound strange coming from a team grounded in evidence, logic, and long-term thinking. But we also know life doesn’t follow a straight line. That’s why we believe the most valuable part of financial planning isn’t the plan itself—it’s the process of ongoing planning.

Carl Richards, a friend and fellow long-term thinker, offers a great analogy we love to share:

Airline pilots prepare a flight plan before every trip. Yet when asked how often the flight goes exactly according to that plan, the answer is: rarely.

Course corrections are built into the process because the unexpected is expected. Weather changes. Winds shift. But the destination remains the same—and they keep adjusting until they land safely.

The same principle applies to your financial life. We build your plan using the best data available—making thoughtful assumptions about returns, taxes, inflation, goals, and more. But the moment the plan is complete, we know one thing for sure: it will be wrong. We just don’t know how yet.

That’s not a flaw. It’s reality.

Real planning is what happens next. It’s the process of revisiting, refining, and adjusting—so you can stay on track, even when the world around you changes.

That’s why our team is here: not just to build your plan, but to keep you flying steady all the way to your destination.

Take the Long View.

As you may recall from last month, we asked for nominations for the Rick Hill Award — our way of recognizing someone on our team who truly embodies service, integrity, and leadership. This award is named after our co-founder, Rick Hill, whose influence continues to shape our culture.

We’re excited to share that Nick Ashby is this year’s winner! Nick’s dedication to our clients and team, willingness to step up whenever needed, and steady, thoughtful approach to challenges make him a standout. He makes our firm better every day, and we’re lucky to have him.

We also want to give a big shoutout to Nell Schiffer and Katie Ackerman, who earned honorable mentions this year. Nell’s leadership and commitment to client service are second to none, and Katie’s attention to detail and operational excellence keep us all moving forward. They both make a huge impact, and we’re grateful for them.

Please join us in congratulating Nick, Nell, and Katie! Their contributions remind us why we take the long view.