On this pre-holiday Q&A session listeners want to know: If a pension counts as a fixed-income portfolio? From where should retirement income be drawn first? What's the best place to invest for no risk whatsoever? That we understood he wasn't throwing Paul Merriman under the bus? Is it okay to use brokered CDs? What do we think of Betterment? Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!