Remember the 3 – legged stool? The pension leg has gone away. Maybe you can create your own now. Safe money on the sidelines has been earning nothing. Now might be a good time for the next few years for a CD Alternative or a short-term, high quality fixed income portfolio. Are you taking advantage of tax harvesting? If not, you should be. Has your advisor talked to you about your non-IRA account? Roth IRA Conversions. We talk about this a lot I know. But the market is down, when it comes back all those gains could be tax free. This year it's too late, but the market will still be down early 2023.

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