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Coronavirus, Life, and the Markets

As you know, COVID-19 continues to have a significant impact on ALL of us! Whether you are a small business owner or an employee, your finances are being affected. Thankfully, on Friday (3/27/20) the US Government passed the CARES Act, which helps to offset at least some of the financial pain the pandemic has inflicted.

As always, we are here to support you as you seek help to manage your financial situation. As news continues to change on both the local, state and national levels, we are sifting through the information to find the most helpful resources and adding them to our website for your use.  

Please don’t hesitate to call your FCG advisor for assistance and guidance.  Contact information is provided at the bottom of this page.

May God bless America, and may He bless you! Please stay safe, and wash your hands!

Your FCG Team

Helpful Resources

(click on links)

2020 Retirement Changes

  • A two-page resource highlighting 2020 retirement change deadlines as well as CARES Act relief, Coronavirus-Related Distributions (CRDs) and plan loan relief.

The Small Business Owner's Guide to the CARES Act

  • The U.S. Senate Committee on Small Business & Entrepreneurship published this 11-page resource of commonly asked Q&A's concerning the major programs and initiatives available from the SBA.

US Chamber of Commerce Guide and Checklist

  • Provides a broad summary plus eligibility requirements to help guide small business owners with a loan choice.

J.W. Cole's Act Summary

  • Our Broker-Dealer has broken down the full CARES Act into bite-sized pieces to help make it easier to understand.

Payroll Calculator

  • This Excel worksheet will help give you an estimate of what small businesses could qualify for with the Paycheck Protection Program.

NOTE:  for illustration purposes only; only a lender can provide the final calculation of what a business will qualify for.

Keeping Calm During Market Volatility

  • Provides perspective on market performance over the long term and how that might impact short-term decisions.


Coronavirus, Life, and the Markets


First and foremost, we want you to know that our team is praying for all of you as you face these uncertain times. We know that these unique challenges are impacting everyone’s lifestyle, mental/emotional state, patience, and of course finances. Please know that we continue to share in your burdens and want to help however we can.

Our team truly wants to encourage and ensure you that we are still here for you! Thankfully, we have secure, encrypted mobile access from anywhere – even if at some point we are forced to work strictly from home. That said, we expect to always have at least a few team members in office during business hours, even though we are shifting our meetings to phone and/or video conferencing.

While we trust that the market’s response to the coronavirus and all the other factors contributing to the current volatility and steep declines is temporary/circumstantial, we know that is little comfort when you see your hard-earned investments suffering. Please know that we continue to monitor all that is happening and are doing all we can to be as vigilant as possible in these unpredictable circumstances.

Emotions (especially fear) are a powerful driver! Of course it is natural to be fearful, but please remember that – even though the particulars of why we are here (coronavirus) are unique, we have been on similar paths before, especially with respect to the markets. As human beings, while we are caught up in the current crisis, it’s hard to remember the gravity of past hardships and events whose acute pain time has graciously helped to soothe (most recently crises like 911 and the Great Recession – while never forgotten, their sting is not as present today). I’m grateful that God allows those painful memories to lessen in intensity over time, and one day this season too will be but a distant memory. But while we are in it, it’s hard to keep that perspective.

Our job as Financial Advisors is to help our clients make decisions that are sound, measured, and grounded in a combination of knowledge, wisdom, experience, and history – not in emotion. Admittedly, that is not always easy, but upon reflection has been historically the least regrettable method of dealing with such difficult dilemmas.

We are still here for you!  While we are practicing the appropriate social distancing, and holding virtual meetings instead of in person, we are accessible and leveraging all the resources modern technology has to offer.  Please call or email us with questions, concerns, etc.

Wishing all of you peace, comfort and hope. God bless you, and God bless America!

Beth and Your FCG Team