Why You Need an Advisor in Times Like 2000, 2008, or the Next Crash
A client explainer using history, income, and alternatives to show why professional guidance matters.
The History Lesson
1999–2000: Tech bubble peaks, markets crash, recovery drags on.
2007–2009: Global Financial Crisis hits, another major drawdown.
Result: For many investors, it took until 2014 just to get back to where they were years earlier.
Without a plan, a decade of growth can disappear in months. Recovering isn’t just about waiting. It’s about how you structure your portfolio to endure downturns.
The Income Lesson
Jackson’s research on the sequence of returns shows:
Two portfolios with the same average return can produce very different outcomes depending on when losses occur.
Investors depending only on growth risk running out of money if downturns hit early.
Advisor Value: An advisor designs an income plan that helps you stay invested, so downturns don’t dictate your future.
(Source: Jackson “Why the sequence of returns is so important to retirees”)
The Institutional Lesson
Institutions (pensions, endowments) diversify with alternative investments:
Reduce correlation with stocks and bonds
Add potential sources of income
Smooth volatility over time
Advisor Value: An advisor helps determine whether and how alternatives fit your personal goals. The objective is the classic efficient frontier idea, targeting more return per unit of risk.
(Source: Jackson Elite Access II guide)
The Risk Perception Lesson
Jackson’s Security in Retirement Series shows most investors underestimate how long recoveries take after a crash.
Markets eventually recover, but your lifestyle may not wait.
Behavioral mistakes, such as selling low and chasing high, can magnify losses.
Advisor Value: An advisor keeps you disciplined, using income strategies and risk management tools to keep your plan on track.
(Source: Jackson Market Risk study)
The Big Picture
History proves: Crashes are inevitable.
Research proves: Sequence and risk matter more than averages.
Institutions prove: Diversification works.
Advisor Value: An advisor integrates all three lessons: history, income, and alternatives into a plan designed to weather crashes and support your goals.
Let’s review your plan. I can show you:
How income strategies may reduce the impact of downturns
How alternatives can diversify your portfolio like institutions do
How to build a mix that seeks to keep you invested and confident, through the next crash and beyond
This material is for educational purposes only. Past performance is not indicative of future results. All investing involves risk, including the potential loss of principal. Alternative investments are not suitable for all investors and may involve unique risks. Investors should consult their financial professional before making decisions.