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As a financial adviser specializing in retirement planning and retirement income planning, I work every day with baby boomers. So, I am acutely aware of members’ concerns about the current economy and its impact on their future needs.

I have been an adviser for more than 30 years, but the last 12 years have been the most challenging. We have had two major market crashes of roughly a 50% drop in value and members’ retirement accounts that were invested have struggled, with some seeing virtually no gains for 10 years or more.

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