During times like these, a financial plan can be more valuable than ever. Here are three pieces of advice our advisers are sharing with clients to calm fears amid the current market climate. But the top financial advisors typically caution clients against making sudden portfolio shifts as a reaction to market volatility. In most cases, advisers are reassuring clients that no major change to their long-term plan is needed. In addition to these three conversations, advisers are also reminding clients of an important history lesson: This is not the first time our economy has experienced a stock market crash or bear market environment.