Transcript: Hello, I’m Ken Moraif and normally our weekly market alert email comes to you in the form of an email; however, this week because of the volatility in the markets I thought it would be better to talk to you in the form of a video, and so as we have seen, the Stock Market, the S&P 500 Index on Friday reached correction territory.  Actually, it’s the second correction this year, the first one being in February and now here again, and so the question that we have to ask ourselves is, is this the precursor of something really bad?  You would think that given the GDP numbers we got on Friday showing that the economy is still growing over 3 percent, unemployment numbers, etc., that we would sit right now with the Stock Market hitting new all-time highs, but instead we saw it down in several hundred points, and this week has been another down week.  So, what do we take from all of that?  Well, what I take from it, what we believe you should take from it, is that if you are retired or retiring soon, you need to have a plan to address this kind of stuff.  If a bear market hits and the, according to Ned Davis Research, the average bear market is 37 percent, so, potentially your Stock Market portfolio, if it’s similar to the S&P 500 Index could lose 37 percent, and what would that do to your retirement plans.  So, as you know, we have a strategy called buy, hold, and sell, and actually, I’ve got to show you something.  See this right here This is my DeLorean, so I’ve actually been to the future and I’ve come back to tell you that I think we’re going to have a bear market in the future.  Unfortunately, I don’t know when, but I can tell you that every bull market in history has ended in a bear market, and I don’t think this one’s going to be any different.

So, if you are retired or retiring soon, this is the time for you to be thinking about whether or not it is a good idea to have a strategy to address that, and we believe it is, and I encourage  you to take advantage of the resources that we have available to you at Money Matters.  We have on our website, we have the ability for you to go to one of our seminars, we have the ability for you to visit with an advisor, we want you to do that and at least explore what your options are, what the ,strategies we have that might be of benefit to you, and, of course, we specialize in retirement planning, so we want to talk with you not just about our buy, hold, and sell strategy, but also other things such as when you should take Social Security, what should you do with your 401K, saving on income taxes, your mestate planning, all those kind of things are part of what we want to visit with you about.  So, take advantage of the resources that we have available to you, particularly now.  I think this should be a wake-up call for those of you who have been complacent and thought this market could only go up.  I think you can see that it can also go the other direction, and perhaps this is something that you should act upon and come visit with us, and hopefully we can help you.  Okay?  So, we’ll look forward to meeting with you.  We’ll look forward to educating you at our seminars, and thank you for watching this email.