Today is the spookiest day of the year. Don’t let bad financial planning haunt you in retirement.

Summary: Today may be Halloween, but next week is when spooky stuff starts arriving in the mail. Overall the market is flat on the year, but bonds for the most part are negative. Sometimes we see these points where several asset classes fall at the same time which can be a problem for retirees who average out of classes. Is your portfolio doomed to sell when things are down? Other topics include: • Rising rates, wage inflation & the need for revenue growth • ETF’s vs. mutual funds • Scary financial mistak