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Well, the current status of the market is still pretty high for 2019. The stock market has been on a 10-year bull run without a major downturn, without a recession, without a bare market happening. The bond market has been on a 35-year bull run. So, now is a good time to start taking some chips off the table and start reducing risk, especially if you are getting very close to retiring or are already in retirement Quite frankly, you don’t have to take on a ton of risk to get good growth.

I think that the concern is people sometimes feel like things are going really, really great right now, so why would they do anything different or take anything out? And what we always preach is that when it’s too late, it’s too late. If everyone knew that 2008 was going to happen everyone wouldn’t have lost a portion of their retirement. So it’s something we really encourage people to consider.

What you don’t want to have in the distribution and income phase of your retirement is a double or triple negative. What that is is the market going down, you withdrawing money out of your accounts, and the expenses that might be in your investments or an adviser fee. That is a double or triple negative. You want to get rid of that. You want to try to eliminate and avoid that from happening on at least a portion of your portfolio.

So we just encourage people to be very proactive in this area rather than reactive. That’s a much better position for you to be in.