Years ago, an alleged transcript of a radio conversation between a US naval ship and Canadian authorities off the coast of Newfoundland was circulated on the Internet.

It went like this:

Americans: Please divert your course 15 degrees to the North to avoid a collision.

Canadians: Recommend you divert YOUR course 15 degrees to the South to avoid a collision.

Americans: This is the Captain of a US Navy ship. I say again, divert YOUR course.

Canadians: No. I say again, you divert YOUR course.

Americans: This is the aircraft carrier USS Lincoln, the second largest ship in the United States’ Atlantic fleet. We are accompanied by three destroyers, three cruisers and numerous support vessels. I demand that YOU change your course 15 degrees north, that’s one five degrees north, or countermeasures will be undertaken to ensure the safety of this ship.

Canadians: This is a lighthouse. Your call.

It’s actually a great story but alas, identified as an urban legend since it can’t be verified.

There are a few key takeaways. First, be careful of what you think you know. And second, when given smart advice, take it.

The problem with the US Navy Captain is he was certain that he was addressing another ship, and he responded based upon that assumption.

However, once he learned that it wasn’t a ship —you can imagine that he would have changed course, and quickly.

At Money & Clarity, we understand that you might not know the right questions to ask. It’s perfectly understandable that, when viewing the market, you might see it in a certain way. But we see things differently because we’re navigating these waters on a daily—if not hourly—basis.

And we spend that much time studying the financial “ocean” so we can correctly guide you toward reaching your financial goals. Are you headed in the right direction? Give us a call at 513-563-PLAN (7526) or book online for an informative 15-minute call that could potentially be the beginning of a more secure future.

Just like a lighthouse, we’re here to shine a light in the darkness and ensure you don’t get stuck in the reefs. Give us a call today. Smooth sailing may be closer than you think.

Nikki Earley, CFP®