In today's Wall Street Journal, an article titled, "Design Challenge: How to Make Stocks Safer for Older Investors" profiled so-called "safe stock" investments.

The article focuses on stock-based investments that guarantee upside plus protection. The last I checked, that doesn't pan out. The Journal likens this to alchemy. I say it's trying to have your cake and eat it too.

One of the reasons

 I was so pleased to read about investors withdrawing their assets from their wealth management firms in today's Wall Street Journal.

The old model is broken. It's based on getting as many assets under management as possible and charging fees based on the amount of those assets. What's more, many firms accept commissions and other fees on financial products they recommend.

That's just wrong. Too

"Is now a good time to invest?"

"Should I sell everything and buy CDs?"

"What should I do to protect my retirement?"

I'm getting these kind of questions from my clients and colleagues. They are rightfully concerned.

As I've been saying for a while now, market downs are to be expected. In fact, with a thoughtful investment strategy, market downs provide buying opportunities. But don't lunge into the

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Here's some email correspondence between Errold F. Moody and me. For those of you who are not yet familiar with Errold, he's a financial planner, investment advisor, expert witness, an authentic advocate of investors and someone whom I think highly of. He's written a very good book, "No Nonsense Finance." I've recently asked him to conduct a review of my upcoming manual, 10 Minute Investment