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Q1 2026 Quarterly Portfolio Update — Full Letter

Meridian Wealth Advisors, LLC

Independent Registered Investment Advisor · Fee-Only

123 Main Street, Suite 400 · Portland, OR 97201 · (503) 555-0182 · info@meridianwealth.com

March 20, 2026

Dear Margaret,

I hope this letter finds you well. As we close out the first quarter of 2026, I wanted to take a moment to connect personally and share a few thoughts on your portfolio, the broader market environment, and what I'm watching heading into Q2.

Your Portfolio — Q1 Highlights

Your balanced growth portfolio performed in line with our long-term plan this quarter. Fixed income holdings provided meaningful stability during February's volatility, while your equity allocation — diversified across domestic large-cap and international developed markets — recovered strongly through March.

          A note on staying the course: Market noise in February prompted many investors to reduce equity exposure at precisely the wrong moment. Your plan is built for exactly these periods — the ability to remain invested through short-term turbulence is one of the most valuable edges a disciplined investor has.
        

What I'm Watching in Q2

A few themes are shaping my thinking as we move into the second quarter:

Interest rate trajectory. The Federal Reserve held rates steady at its March meeting. Markets are pricing in one cut by July. For your bond ladder, this means we continue to hold short-to-intermediate duration — well-positioned whether cuts arrive early or late.
International diversification is working. European and emerging-market equities have outpaced U.S. large-cap year-to-date. Your existing allocation is benefiting from this trend without requiring any changes.
Cash and liquidity. With the Fed on hold, money market yields remain attractive. Your 6-month cash reserve is earning meaningfully — I'll reassess the allocation size at our mid-year review.

Action Items Before Our Next Meeting

No immediate changes are needed to your portfolio. At our scheduled May review, I'd like to revisit two items:

Your beneficiary designations — it's been 18 months since we last reviewed them.
The timing of your Required Minimum Distribution for 2026, given the new IRS guidance.

If anything has changed in your financial picture — a major expense, a change in income, or updated goals — please don't hesitate to reach out before May. My job is to make sure your plan reflects your life, not the other way around.

As always, I'm grateful for the trust you place in me. Please feel free to call or email at any time.

Warm regards,

James Hartwell, CFP®
Principal, Meridian Wealth Advisors
(503) 555-0182 · james@meridianwealth.com

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