While timing markets can be difficult, we inform our clients of the cyclical nature within all the markets.  Most clients believe they can emotionally handle the downturns in the market; however, when declines inevitably occur, many investors find it hard to stay in the game, especially if they haven’t already reduced some of their portfolio risk.  For pre-retirees and retirees, we believe that implementing risk management strategies is highly important to their overall wealth management plan.