Have you spoken to your advisor since the economic crisis hit?

Yes. We called our advisor when the stock market went crazy. We knew we’d lost some money, but weren’t sure how much or what exactly we should do. We came into his office and he went over our plan. We were hit pretty hard, but my husband and I are both still working, so we feel like our plan has us in a good place.”

- Haley B., 64
Long Beach, Calif.

No. I haven’t talked directly with our advisor. I did get a letter right when things went bad. The letter talked about the market and told me to sit tight. I have almost all of my money in safe places–I don’t have the stomach for the risky stuff–so I feel good about where I am.”