Brent Ford says if you are investing your retirement savings or nest egg to just capitalize on market returns, that could be a long-term recipe for failure. Ups and downs are just part of the market that should be expected. His firm helps clients create portfolios that are balanced to work through the ups and downs. He says it’s important to balance returns with risk, and often people are so busy chasing returns, they don’t pay enough attention to risk. In an age of apps and robo-advisors, financial professionals offer the invaluable service of helping clients work through the emotional side of investing.

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