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230                                   Don’t Make Me Say I Told You So




            manage their retirement investments? If not, then why are you
            managing your own?





            How Do You Want to Spend Your Golden
            Years?



            Picture this scenario: It is 8:00 on a beautiful summer morning.

            You are up and getting ready for a visit with your grandchildren,
            or perhaps you are going to play golf with some friends. You

            turn on CNBC and see that the Dow Jones Industrial Average is
            down 600 points.


               If you are working with a financial advisor that you trust, you

            can do one of two things:

               1.  Go on with your day, knowing that your advisor is

                  watching the market and your portfolio for you.

               2.  Call your advisor to see if there is anything you need to
                  do. If not, you know he will call if there is something that

                  needs to be done.

               Then you can go on with your day and enjoy the retirement

            you earned over the last 20, 30, or 40 years.

               If you  are managing  your investments  on  your own,  you

            already know the drill:





                         Chapter 5: Things That Can Wreck Your Retirement
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