{"id":207446,"date":"2019-09-24T08:00:25","date_gmt":"2019-09-24T15:00:25","guid":{"rendered":"https:\/\/americanretirementadvisors.com\/?p=207446"},"modified":"2019-09-03T17:03:33","modified_gmt":"2019-09-04T00:03:33","slug":"when-should-you-make-changes-2019","status":"publish","type":"post","link":"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/","title":{"rendered":"When should you make changes 2019"},"content":{"rendered":"<p>[et_pb_section bb_built=&#8221;1&#8243;][et_pb_row][et_pb_column type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;3.0.101&#8243; background_layout=&#8221;light&#8221;]<\/p>\n<p>Do you still own clothing from the 70s and 80s? Do you listen to music from this decade or are you like me and stick to what you grew up with? Do you have meds in your cabinet from the last decade? Well, you\u2019re not alone. To my wife\u2019s dismay, I still wear some clothing that I owned in the eighties.<\/p>\n<p>Holding on to the past is not the best idea when it comes to your investment portfolio. I know, you have always heard that buy and hold is a good strategy. Sometimes that holds true. But not if it\u2019s buy and ignore or buy and forget. The best strategy is to buy and diligently watch and adjust. The problem is that most folks just don\u2019t have the time, patience, or knowledge of markets or underlying positions. Another problem is that many folks have their entire retirement in their 401(k) at work. They \u201cchose\u201d the mutual funds when they started the 401(k) and never made a change. As we get closer to retirement or if we are in retirement, it is imperative that we make some adjustments. It\u2019s time to get more conservative. It\u2019s time to really watch what\u2019s going on. We\u2019re at a stage in life where we can\u2019t afford to lose money. This is a time in life where we need a predictable income and a degree of certainty.<\/p>\n<p>&nbsp;<\/p>\n<h5><em><strong>Our clients like having a professional watching over their retirement nest egg. Attend a Retirement Planning or Social Security Workshop and see if you are ready for the future.<\/strong><\/em><\/h5>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p><div class=\"et_pb_row et_pb_row_0 et_pb_row_empty\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div> Do you still own clothing from the 70s and 80s? Do you listen to music from this decade or are you like me and stick to what you grew up with? Do you have meds in your cabinet from the last decade? Well, you\u2019re not alone. To my wife\u2019s dismay, I still wear some [&hellip;]<\/p>\n","protected":false},"author":7126,"featured_media":207426,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[111],"tags":[],"class_list":["post-207446","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-american-retirement-advisor-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" content=\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marc Frye\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/\"},\"author\":{\"name\":\"Marc Frye\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/9d6bcbbc21e6d0ce3b670b9c97d58414\"},\"headline\":\"When should you make changes 2019\",\"datePublished\":\"2019-09-24T15:00:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/\"},\"wordCount\":307,\"publisher\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2019\/08\/Financialsept.jpg\",\"articleSection\":[\"The American Retirement Advisor Blog\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/\",\"url\":\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/\",\"name\":\"American Retirement Advisors 800-568-1095 Expert Advice\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/when-should-you-make-changes-2019\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2019\/08\/Financialsept.jpg\",\"datePublished\":\"2019-09-24T15:00:25+00:00\",\"description\":\"American Retirement Advisors, David P. 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