As fee-only financial planners, the overriding concern we hear from people approaching retirement is “will I have enough to live on?”  Followed closely by “how can you make my money grow, without exposing it to a lot of risk?”  After the dramatic economic downturn in 2008, even the most confident investors can become a bit skittish when they think about relying on their investments for the next 20 or 30 years.