All the talk in the news about whatever the headline is today, provides plenty of fodder for people to worry. These days the headlines may be inflation and interest rates, or the range of active conflicts that are in motion throughout the world. As financial advisors, we are in some way the first line of defense against whatever the last thing is that our clients heard. That ‘last thing’ could have been a conversation with their brother-in-law, their neighbor, or some opinion piece they watched on cable news or read about in their social feed.