Diversification Always Matters—Especially After a Strong Year

Tax Planning
Written By Kelly Olczak

Strong years feel good. They should. But they can also quietly change the shape of risk inside a portfolio.

When markets perform exceptionally well, certain holdings can grow faster than others, increasing concentration without anyone intentionally taking on more risk. Diversification always matters—but it deserves renewed attention after years like 2025.

In this month’s Journal, we revisit why diversification remains a core planning principle, even when confidence is high. The goal isn’t to dial back success—it’s to make sure success hasn’t narrowed flexibility going forward.

Read the January 2026 Newsletter

This section of the Journal helps put last year’s performance in context and explains why reviewing diversification now is part of responsible planning.






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