Three years since it began, the European debt crisis continues to create uncertainty in financial markets worldwide. After a strong first quarter, the broad US Stock Market was down 3.15% with International and Emerging Markets down 7.20% and 8.89%, respectively. This is a fearful time for investors, with markets on what seem like a hair trigger. Our natural tendency as investors is to let fear and greed drive our investment decision process, instead of adhering to a disciplined investment approach. We will maintain that disciplined approach on your behalf knowing that investment returns come sporadically and we want to be invested at the time of positive change in the market.