Independence Day 2018

Life in the U.S. has certainly changed over the last 242 years.  It’s hard, if not impossible, to imagine how different our lives would be if we were living a few centuries ago rather than in 2018.  Sometimes, I wish I could go back in time as an unnoticeable observer to view daily life then and get a better understanding of the hardships our forefathers faced.  Those who came before us had the courage to leave all things familiar in search of better lives in an unknown land.  They arrived on undeveloped shorelines facing near impossible conditions, yet they persevered.  They established laws giving us the freedoms we enjoy today and the right to pursue happiness.  They cleared land, built communities and worked to improve life for themselves and future generations.  They overcame.

On July 4th, we celebrate our predecessors and remember the difficulties they faced in the land of opportunity.  There always have been and always will be obstacles to overcome, but they are not insurmountable.  I’m thankful and proud to have been born in the U.S.  I’m certain my life would not be the same had I been born anywhere else.

Happy Independence Day!  We hope you and your family have a safe and enjoyable holiday.

Holly Ruff is a Financial Advisor & Research Analyst based in the Shenandoah office. Holly is a CFA and has 15 years of experience in the financial services industry working with both institutions and individuals. For feedback or questions regarding this blog post, please contact Holly at