Did you buy bonds to cushion your portfolio in tough markets? It may be time to take a deeper look at what you own.

Summary: Strategic bond funds can have up to 15% exposure into stocks; so not only have bonds rallied, but now you may be exposed to stocks in your bond fund that are over bought due to investors chasing yield. Be aware of what you are holding, it might be time to change things up and take some gains. Other topics include: • Health and fitness –your next big retirement issue • End of year gifting strategies • Mega Backdoor Roth IRA’s and 401k's