Playing defense with your retirement accounts.

Many people prefer to have some conservative holdings in their IRAs and other retirement accounts.  This century has already produced two nasty bear markets (in 2000-2002 and 2007-2009). If a third downtown occurs, investors will be glad they held some defensive positions, which might minimize losses and possibly offer gains.

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Due to increased client interest in financial planning, I continue to provide quarterly updates on the investments I recommend.