I have two graduating seniors this year. My daughter from high school and my son from Seattle University. This year, colleges across America transitioned to remote learning in early March, meaning many left campus for Spring Break and never returned.

Between Feb 20 and March 23 of this year, the markets experienced a 30 percent drop. While they have recovered somewhat since then, the volatility may not be over.

Amidst the global COVID-19 pandemic, there’s no doubt about it - these are trying times for everyone physically, mentally and emotionally. Even if you aren't a healthcare professional or other essential worker on the front lines, it’s still difficult to cope with the dramatic change in lifestyle and stress we’re all experiencing.

I realize the last few weeks have been challenging for you personally, financially and emotionally. The journey to achieving your long-term wealth goals follows a road that is not always smooth.

Lifeguard Wealth announced this week that they will be joining The National Association of Personal Financial Advisors.

Rather than trying to react to market mood swings caused by the coronavirus chaos, here are 20 proactive steps you can take instead to be ready for a highly probable recession.