Scared of a market downturn? Who isn't, right? In this episode, Greg Shepard will share with you how to identify how much risk is in your portfolio and what you can do to lessen the risk and make your portfolio more efficient. Gone are the days where one just arbitrarily agrees to a 70/30 or 60/40 mix of stocks and bonds. With the evolution of technology in the investment advisory world, one can identify how much risk they're willing to take in order to determine the stock / bond ratio in their portfolio. Jump on Greg's calendar to see about improving your TIAA situation. Listen to other informative podcasts at www.safinancialservices.com.S&A Financial Services, Inc. is a registered investmentadvisor. Content presented is for informational purposes only and should not beconsidered as investment advice or as an offer or solicitation for the sale orpurchase of any specific securities, investments, or investment strategies.Always consult with your tax advisor or attorney regarding your specificsituation.

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