There are a number of reasons people get complacent in their retirement planning; one of them is when the stock market is doing well - they don't want to make any changes, as in "why mess with a good thing?" When portfolios start going down in value, they can get complacent because they don't know what to do - should they buy more, get out of the market, or realocate? If you tend to freeze and procrastinate for this reason, here's what you need to do - listen in.
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Providence Financial Retirement Show with Anthony Saccaro