<p>You structure your retirement money so that when the market goes down you have a buffer of bonds. What are your options if that side of your portfolio is also losing money?</p>

There’s a bull market somewhere, you just need to find it.

Raj Shah is the president and founder of SC Wealth Advisors in Chicago, Illinois. He has been practicing income planning for more than 15 years. He focuses on wealth management and retirement strategies. “Unleash Your Wealth” is dedicated to empowering the investor and retirement saver with the information they need to expect more from their financial advisor.