This past Sunday, October 12th, marked the third anniversary of the current bull market. Since its start in 2022, the market has surged 89%, well above historical averages. It’s the 27th bull market since 1872 and the 14th since 1950, and while past performance doesn’t guarantee future results, history suggests markets with this kind of strength often have room to run.

Bull markets are typically defined by a 20% or greater rise from recent lows, fueled by investor optimism and improving economic conditions. On average, they last about five years, with a median length of 3.5 years—more than double that of bear markets. As we head into year four, analysts remain optimistic. Historically, the S&P 500 has gained an average of 12.8% during the fourth year of a bull run. With inflation stable and recession risks limited, the outlook remains favorable.

What does this mean for investors?

Even in times of strong performance, a disciplined investment strategy is essential. Markets move in cycles, and while this one has shown resilience, every cycle eventually shifts. That’s why now is a crucial time to work with a financial advisor.

An advisor does more than help choose investments—they help you build a plan aligned with your goals. Whether you’re saving for a home, funding education, or planning for retirement or travel, a professional can guide you through market highs and lows with a long-term strategy.

With markets already up significantly, your portfolio may need rebalancing. A financial advisor can help ensure your asset mix still fits your goals and risk tolerance. They can also help you take advantage of tax strategies, plan for cash flow, and prepare for future volatility.

As this bull market enters year four, there’s reason for optimism—but also a need for smart planning. The best investors don’t just chase returns—they prepare for what’s next. By partnering with a financial professional, you can keep your strategy focused, adaptable, and aligned with what matters most.

In both bull and bear markets, disciplined financial planning is key to staying on track.