What do you guys do when macro-economic events like COVID hit? Do you maneuverer the portfolios around?

The short answer is no. Our portfolios are diversified portfolios designed to invest in a range of asset classes each with their own risk profiles. It is our strong belief that investors should not try to time the market or predict which way the market is going to go. Instead, we recommend aligning your investment time frame with a portfolio with a similar suggested time frame and letting the market do the rest. Here’s an article we wrote at the start of all of this. The title is “What are you doing about…” because no matter what event it is we’re always asked that question.