News & Investment Updates From Ribbon Falls Wealth Management

The past few years have shown how quickly market regimes can shift — from a long stretch of falling rates, to the rapid tightening cycle, and the adjustments we’re seeing today.

These transitions don’t reward prediction; they reward process. When conditions change this quickly, discipline becomes the differentiator. A clear, systematic investing approach keeps decisions grounded in data instead of sentiment, and that matters most when the environment is moving faster than investor intuition can keep up.

Our role isn’t to guess what comes next. It’s to stay aligned with the trends that actually emerge and adapt as those trends evolve. That’s what we believe has the power to keep portfolios steady when cash feels comfortable, and what allows them to participate when other assets begin to strengthen.

Discipline — not timing — is what turns market transitions from a source of anxiety into an opportunity.

This month’s Note looks at how the changing rate landscape influenced T-bills and why a rules-based process helps investors stay aligned with what markets are doing, not what they’re supposed to do.

But first, here’s a summary of the global asset classes utilized in our portfolios and their exposures for December.

Markets have stayed calm as we enter the final stretch of the year. Stocks are steady, volatility is low, and bonds have regained momentum — a combination that can make it easy to relax. But calm is not the same as certain.

Even in stable markets, trends evolve beneath the surface. Our investing process is designed to track those shifts in real time, without assuming today’s conditions will hold tomorrow. That balance — participating in prevailing strength while staying prepared for change — is what allows compounding to continue through both calm and turbulence.

Patience doesn’t mean passivity. It means staying alert, systematic, and grounded when there’s little drama in the data. This month’s Note looks at how markets maintained their composure through October and why true stability in investing comes not from the environment, but from discipline.

But first, here’s a summary of the global asset classes utilized in our portfolios and their exposures for November.