Don fields listener questions on asset allocation, advisor timing, and investing complexity with his usual bias toward simplicity and self-awareness. He emphasizes that the decision to add bonds isn’t about age but about emotional tolerance for loss, shares his own shift to a more conservative 55/45 portfolio, dismisses futures markets as largely speculative noise for most investors, and advises a listener nearing retirement that while there’s no urgency to hire an advisor, the value of plann...