Most clients and prospects I speak with are familiar with the idea that one should reduce the amount of risk with their investments as they near retirement, which generally speaking, is a true statement. The concept of reducing risk becomes even more important if one is to retire into a declining market. I would categorize a declining market as one similar to what was experienced in the years 2000-2002 and then again in 2007-2009. In my opinion, taking "less risk" could produ

Small changes can make a BIG difference, in this case a $430,273 difference. Focus on what you can control. Small increments can have a large impact over time improving your long term financial health. To identify the changes that could benefit you, email me at Derek@newpointewealth.com or visit my website www.newpointewealth.com Disclosure: Investing involves risk including loss of principal. They hypothetical examples above are not representative of any specific investment.