Team Day, VP Wealth Management Fortis Capital Advisors

Team Day, VP Wealth Management Fortis Capital Advisors TODD DAY is a graduate of High Point University and Wake Forest University where he earned his MBA, specializing in Investment and Portfolio Management.

Todd and Melissa Day are life-long residents of Winston-Salem, N.C., with over 20 years experience providing guidance in Investing, Tax & Estate Strategies, Financial Planning, Wealth Management and Insurance. He is a highly accomplished wealth management professional beginning his career in financial services at Dean Witter (Morgan Stanley) in 1996. He furthered his career including tenure at the

prestigious firms Alex Brown – a Division of Deutsche Bank, Wachovia Wealth Management and Bank of America sharpening his skills in Institutional and Personal Investment Management. Todd specializes in developing and managing proprietary asset allocation portfolios serving individuals, families, trusts and institutions. MELISSA DAY holds the distinction of being a Wealth Management Certified Professional ®, a Series 65 Fiduciary Advisor, and a licensed NC Life Insurance agent. With more than 20 years in the banking and financial services industry, she brings a wealth of knowledge and expertise to guide you towards financial success. As a husband-and-wife Advisory team, our ultimate mission is to establish ourselves as essential partners to our clients and their families. By sharing our expertise and unwavering commitment to comprehensive financial planning, we prioritize the best interests of our clients above all else. Together, we craft robust financial plans tailored to your unique circumstances, engaging in meaningful discussions about your goals. With our expertise in tax and investment strategies, social security, insurance, pension plans, and estate/legal planning, we conduct a thorough analysis that enables us to design personalized financial, investment, and income strategies. Beyond just financial matters,
While we recognize the importance of money, we firmly believe that life is about so much more. Our approach goes beyond financial matters, as we invest time and effort in gaining a genuine understanding of what truly matters to our clients in their lives. We are dedicated to forming strong partnerships with our clients and their families to optimize their overall financial well-being. Our approach goes beyond numbers; it's about helping you live a fulfilling and enriched life. Our commitment to understanding the unique details of our clients' lives sets us apart, allowing us to provide comprehensive and personalized solutions that embrace both their financial goals and their pursuit of a fulfilled and enriched life.

There's a moment early in retirement that catches many people off guard.You wake up… and there's nowhere you need to be....
05/07/2026

There's a moment early in retirement that catches many people off guard.

You wake up… and there's nowhere you need to be.

At first, that quiet feels wonderful. After years of deadlines and responsibility, it's a relief.

And then the question comes:

Now what?

If that feels familiar, you're not alone. Retirement isn't just a schedule change. For many people, it's an identity shift.

The first year isn't about having everything figured out. It's about finding your rhythm.

The names changed. The scale is almost unimaginable.In 1985, the top 10 companies in the S&P 500 were worth a combined $...
05/05/2026

The names changed. The scale is almost unimaginable.

In 1985, the top 10 companies in the S&P 500 were worth a combined $251 billion. By 2005, that number had grown to $2.4 trillion.

Today? The top 10 are worth over $21 trillion.

That’s not a typo. To put it in perspective: the entire top 10 from 1985—IBM, GE, Exxon, GM, and AT&T—would fit inside the valuation of just one of today's market leaders.

Most conversations about this chart focus on the rotation—Kodak to Microsoft, or Exxon to Nvidia. The rotation is real, and it matters. But as a wealth manager, I’m more concerned with the concentration risk hiding in your "diversified" portfolio.

The Reality vs. Necessity Gap:
Most people feel safe in index funds because they’ve been told they are diversified. But when a handful of companies represent this much of the total market, you aren’t just owning the market—you’re hitching your retirement to a few boardroom decisions.

If you are a business owner or pre-retiree, you cannot afford to have your "necessity" (the money you need to retire) dependent on the "reality" of extreme concentration.

The list will look different again in 10 years. It always does. The discipline is in building a plan that doesn't depend on being right about which names survive.

Is your portfolio built for 1985 diversification or 2026 concentration? If you haven't identified the gap between your current reality and your retirement necessity, give us a call or message me . We’ll show you exactly how much risk you’re actually carrying.

Source: J.P. Morgan Asset Management, Guide to the Markets. Data as of May 1, 2026.

April just handed traders & investors a historic gift, but we know that all-time highs often mask underlying fractures.T...
05/04/2026

April just handed traders & investors a historic gift, but we know that all-time highs often mask underlying fractures.

The Week in Review:
The S&P 500 and Nasdaq just logged their best monthly performances in five years. April was a constant climb - up the wall of worry, with the S&P 500 surging 10.49% as investors focused on spectacular Q1 earnings from Big Cap Tech, moving past stalled Middle East peace talks.

Behind the euphoria, the FED just delivered an 8-4 divided vote on interest rates—the most fractured decision we have seen since 1992. What this doesn't tell you is that there are those that think the time is right for higher rates. But we were promised some cuts 😕

The Reality vs. Necessity Gap:
Most people feel safe because their accounts are up. But is your success the result of a durable strategy, or is it just riding the tide?

The Reality: You’re enjoying the rally.

The Necessity: You need a plan that help identify where your guardrails are if the market "tide" goes out?

We just finalized our private May 1st WWATA (What We Are Thinking About) Report. It breaks down the technical levels and the "Tax Traps" currently hidden in high-growth portfolios.

Want the full brief? Comment "REPORT" below, and I’ll send the May 1st summary directly to your inbox.

Alternatively, if you’d rather stop guessing if you’re taking on too much risk, give me a call for a Strategy Review Session. We’ll identify the gap between your reality and your necessity.

Markets closed at record highs this week. Here's what's actually driving it — and what to watch next.The S&P 500 and Nas...
04/27/2026

Markets closed at record highs this week. Here's what's actually driving it — and what to watch next.
The S&P 500 and Nasdaq both hit all-time highs Friday, but the story underneath the numbers is more complex than the headlines suggest.
Two standoffs are shaping everything right now:
The Middle East: President Trump extended the ceasefire with Iran, and peace talks may resume in Pakistan. The good news. The less-good news: the Strait of Hormuz — through which roughly one-fifth of global oil supply flows — remains closed. WTI crude is sitting near $94/barrel and the situation stays fluid.
The Federal Reserve: The Fed is widely expected to hold rates at this week's meeting — likely Jerome Powell's last as chair. His successor Kevin Warsh cleared a key procedural hurdle, and rate markets rallied in response. We'd temper the enthusiasm — with inflation still running around 3.5%, rate cuts in the near term are a stretch. Our view: late 2026 is the more realistic window.
By the numbers — week ending April 25:
📈 S&P 500: +0.6% — record high
📈 Nasdaq: +1.5% — record high
📉 Dow: -0.4%
🔥 Philadelphia Semiconductor Index: +11.0% — 18th consecutive winning session
📉 MSCI EAFE (International): -2.44%
The tech divergence is real. Intel surged 23.6% in a single session — its best day since October 1987. More than 80% of reporting S&P 500 companies have beaten estimates, with earnings growth running at 15.1% year-over-year.
This week brings Microsoft, Meta, Alphabet, Apple, and Amazon — the clearest litmus test yet for the AI story.
The investors who stayed disciplined through the late-March correction are now looking at gains. Those who sold the Nasdaq when it entered correction territory locked in losses and missed a nearly 15% rebound.
Time in the market continues to beat timing the market.
📬 Every Monday we publish the Weekly Market Insights — a no-hype breakdown of what moved, what it means, and what to watch next. Reply "WMI" or message me to subscribe.

At its core, investing involves supporting an entity today with the goal of receiving a greater return in the future. ✅ ...
04/22/2026

At its core, investing involves supporting an entity today with the goal of receiving a greater return in the future.

✅ While this concept may seem straightforward, it also involves striking a balance between risk and reward.

⚖️ When you work with a financial professional, you bring their training into the matter. We can help you understand where to direct your money and work within your goals, risk tolerance, and time horizon. 🎯💡

When stock prices drop, some investors start asking "shoulda, woulda, coulda” questions about whether to remain invested...
04/17/2026

When stock prices drop, some investors start asking "shoulda, woulda, coulda” questions about whether to remain invested. But as 2025 illustrates, market timing can be very expensive even if it means missing just a few days. This has been, and always will be one of the biggest mistakes an Investor will make. If your trigger finger is getting itchy - give us a call we'll talk you through it. Maybe what you need is to reassess the level of risk you are taking or the level of risk you should be taking - they aren't the same!

Budgeting is a tool for keeping your spending in check while helping your expenses align with your income. ✅ Yet not eve...
04/15/2026

Budgeting is a tool for keeping your spending in check while helping your expenses align with your income.

✅ Yet not everyone sticks to a household budget.

🤔 Why is this? Perhaps it’s a gap in financial education during our school years, which can contribute to less-than-ideal money habits later in life. 📚💡

🌟 April is Financial Literacy Month 🌟💡Let's recognize the value of understanding our finances and making informed financ...
04/08/2026

🌟 April is Financial Literacy Month 🌟💡

Let's recognize the value of understanding our finances and making informed financial decisions. 💪💡

Whether you're a financial guru or just beginning your money management journey, this month offers the ideal opportunity to boost your financial knowledge. 📚💡

From budgeting and saving to investing, there's a wealth of knowledge to explore! 💡✨

Together, we can create a community that excels at managing money! 🎉💡

April is National Social Security Month—a good reminder to review your claiming strategy.When you claim Social Security ...
04/08/2026

April is National Social Security Month—a good reminder to review your claiming strategy.

When you claim Social Security can impact your lifetime benefits. Claiming at 62 means accepting a permanent reduction, while waiting until 70 will increase your monthly payment. The right timing depends on a wide range of factors, including your health, income needs, and overall retirement strategy.

If you're within a few years of claiming, now's a great time to review how Social Security fits into your bigger financial picture.

Questions about your retirement strategy? Let's talk.

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2150 Country Club Road Suite 230A
Winston-Salem, NC
27104

Telephone

+13366179883

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