While millions of retail investors white-knuckle their way through stomach-churning market swings, the wealthiest Americans are approaching the current environment with a strikingly different playbook — one built on patience, diversification, and a willingness to look past the daily noise. Peter Mallouk, the CEO of Creative Planning, which manages over $300 billion in assets for high-net-worth clients, has become one of the most prominent voices urging investors to resist the temptation to time the market, even as artificial intelligence reshapes entire sectors and tariff uncertainty rattles global trade. In a recent interview with Business Insider , Mallouk laid out the principles that guide how his ultra-wealthy clients are thinking about 2025 and 2026 — and the message is remarkably consistent: stay invested, stay diversified, and don’t let fear dictate financial decisions.…