The return of market turbulence, heightened volatility, and geopolitical uncertainty have dominated the investment landscape as we begin the year 2022. Stocks and bonds alike are firmly in negative territory for the year. The below article talks about the impact of the Russia/Ukraine conflict, the Federal Reserve rates, inflation, and the global economy. We want to highlight the fact these types of pullbacks and the volatility associated with them are normal, considered healthy, and expected to occur from time to time.