Print Shortlink

What is Your New Normal?

The “New Normal” refers to everything from freakish weather systems to the global marketplace to a new sitcom on NBC.

It’s a very convenient and flexible phrase, as it can be used to describe positive changes or convey perfunctory cynicism. It can refer to any change that appears to be both substantial and long-term, such as, “ever since my son turned 14, grunted sarcasm, irrational bursts of anger, and general gloomy angst is the new normal in our household.”

See? You try it. It’s reminiscent of when “sick” meant good, “phat” meant svelte, and “far out” meant groovy. If New Yorkers wonder what the new normal will be for them after Hurricane Sandy, they should talk to post-Katrina New Orleaneans.

[CLICK HERE to watch the video, “Severe Weather: The New Normal?” at, November 3, 2012.] *

[CLICK HERE to read, “Youth vote decides presidential election – again. Is this the new normal?” at The Christian Science Monitor, November 7, 2012.] *

[CLICK HERE to read, “Paul Ryan’s plan and the next ‘new normal’,” at The Washington Post, August 13, 2012.] *

What else can we expect to be the new normal going forward? One out of every five adults will be older than 65 by 2050, which should significantly slow down the consultation and check-out lines at local pharmacies. Then again, more people will buy products online or via mobile phones. Video phones may outdate audio receivers, and perhaps children will zip back and forth between neighboring houses via hover boards -Marty McFly-style from the movie Back to the Future.

Maybe not. What seems certain is that the “new normal” is uncertainty – not knowing what the future holds. Whether it’s benefits from government entitlement programs, long- term tax reform legislation, fluctuations in the marketplace, or the extinction of loyalty in the employer/employee relationship, the new normal is simply not knowing what will happen next.

[CLICK HERE to read, “Declining Employee Loyalty: A Casualty of the New Workplace,” at Knowledge@Wharton, May 9, 2012.] *

[CLICK HERE to read, “Is the 7 Percent Return for Stocks Extinct?” at US News & World Report, August 8, 2012.]* 

Yet some things do not fit the new normal paradigm. We each have specific friends and family members we can know we can count on. We believe that long-term, diversification is one of the strongest factors to offsetting the impact of market volatility. And we know that while even the best-laid plans get waylaid, advanced and pro-active planning is one of the smartest ways to secure our future.

If you haven’t seriously engaged in advanced, pro-active planning where your finances are concerned, we’d like to help you make that your “new normal.”

By contacting us, you may be offered insurance products for sale. 

 1 “New Realities of an Older America,” Stanford Center on Longevity, April 7, 2010.

The information and opinions contained herein are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Content is provided for informational purposes only and is not a solicitation to buy or sell the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.