How to Swim Safely When the Market Gets Choppy

In this episode, Carol Dewey dives into how investors can stay calm and confident when financial waters turn turbulent. Using the unforgettable metaphor of shark-infested markets, Carol explains how fear and uncertainty can drive poor decisions—and how to protect your portfolio when the market starts to churn.

Drawing from a real client story, Carol highlights how a well-structured plan can replace panic with peace of mind. You’ll also learn the four key traits of a disciplined investment approach and how Perpetual Wealth Financial helps clients navigate uncertainty with clarity, confidence, and control.

Key Takeaways:

💡 Fear is natural—but it shouldn’t drive your strategy. Markets will always have “sharks” lurking beneath the surface.

💡 You can’t control the market, but you can control your response. Build a vessel strong enough for rough seas.

💡 Avoid the bait. Don’t chase hype or headlines—stick to fundamentals.

💡 Diversify and find safe harbors. Global allocation and protected income can smooth volatility.

💡 Preparation over prediction. Focus on what you can control: allocation, taxes, liquidity, and discipline.

Carol’s 4 Traits of a Smart Investor:

1. Avoid the shiny objects. Ignore hype; focus on substance.
2. Focus on value and resilience. Invest in businesses built to adapt.
3. Think globally. Diversify beyond domestic headlines.
4. Keep safe harbors. Balance growth with stability through fixed income, annuities, and cash.

Inside the Episode:

Carol shares the story of a cautious investor who lost trust after being ignored by her previous advisor. Together, they built a balanced plan—part annuity for guaranteed stability and part managed portfolio for long-term growth. The takeaway? When your advisor listens and your portfolio aligns with your comfort level, even the choppy waters become manageable.

The Perpetual Wealth Navigation Process:

🔹 You First: Every plan starts with your goals, not a product.

🔹 Taxes Last: Designed to minimize tax drag wherever possible.

🔹 Side Effects Least: Reduces hidden risks, costs, and unintended consequences.

Carol’s team also uses a 21-Point Wealth Assessment—a financial “safety inspection” to find leaks or weak points before the next storm.

Carol’s Closing Thought:“You can’t eliminate market risk, but you can control how you respond to it. Fear feeds the sharks—but clarity, confidence, and communication keep you safe.”Resources Mentioned:

📘 Free Download: 8 Key Drivers of Company Value

📅 Book Your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts,