Many investors, pre-retirees, and retirees are asking themselves the exact same questions... what should their plan be when some of the most popular asset classes like equities and bonds are both down? The reality of the situation is that a lot of analysts and industry experts are trying to predict the market; the bulk of the information we hear on the media is simply predictions. Instead of trying to identify what the market will do next, the focus should be on creating a plan that allows you to be reactive- in other words, create a strategy that positions you to take advantage of any opportunity regardless of what the market is doing by establishing a holistic and comprehensive financial plan.