Investment prices never have – and never will – move up in a steady, straight line. As much as we would like to only be invested after prices HAVE risen, that just not possible. The only way to invest is to plan for the inevitable declines. Plus, you must avoid looking at your portfolio.

Then we hear from listeners about:

• Transferring I-Bonds after death.
• How I-Bonds work?
• What is the difference between two similar Vanguard products, a mutual fund and an ETF?
• Which asset classes should be used and in what percentages?
• How to find a local 100% fiduciary advisor?

Finally, we discuss why most people have lousy financial advisors.