COVID-19 can’t stop the weather. Neither can we. There’s something reassuring in that. Whatever comes our way, the weather—with its predictable unpredictability, its cycle of seasons, its dramatic extremes—provides a vivid lesson on how to cope with life’s rainy days and hurricanes. Like much of what the world throws at us, the weather is something we cannot control, but must prepare for. Have we fixed the leak in the roof in the case of rain (set aside sufficient cash reserves for emergency expenses), replaced the broken shovel to get ready for winter (updated our resume in the event of a layoff), repaired the air conditioning in anticipation of the summer heat (paid down debt ahead of retirement)? Suitably prepared, we can even turn the vagaries of weather and life to our advantage. We can sit inside our screened-in porch enjoying the cooling mist from a storm or accept a blizzard’s invitation to engage in a snowball battle with our kids. Even better, if we are prepared, we are able to reach out and help others—family, friends, other members of our community—when they most need assistance. For those of us fortunate enough to retain our physical and financial health throughout the ordeal of this pandemic, we are blessed to be in such a position. Actually, that’s the best reason to carry a large umbrella on a rainy day. Yes, it can help keep us dry. But it also allows us to share the comforting shelter with another soul who needs it even more.


“Sunshine is delicious, rain is refreshing, wind braces us up, snow is exhilarating; there is really no such thing as bad weather, only different kinds of good weather.” John Ruskin


Just like a violent storm can serve as a wakeup call that we need to take preparation seriously, today’s challenges remind us that we must plan for the unexpected and the unwelcome. For information on the benefits of financial planning, and a calming voice on coping with the ramifications of COVID-19, feel free to visit our website,, and our Facebook Page.  And if you have any questions or concerns, we are here to help. In fact, we welcome your call.


Stay Safe and Healthy, and May God Bless You and Our Community.

Best regards,

Bryan E. Kelly, CFP®

Managing Partner



Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Registered Broker/Dealer, Member FINRA/SIPC.  Advisory services offered through investment advisor representatives of Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. The Kelly Group and Cambridge are not affiliated. 48 East Gordon Street, Bel Air, MD  20114