No matter how your retirement planning is going, there always seems to be a few pain points that linger over your portfolio. We all share in these so let’s use today’s episode to have a therapeutic session and relieve some of that pressure. As always, we’ll answer a couple listener questions and then we’ll bring on Michelle McKinnon for this week’s spotlight segment.Check out the full show notes by clicking here. ----more----Today's rundown:0:32 – Introducing the topic of pain points.1:16 – First pain point is worrying that we’ll run out of money before we die.2:09 – Bob shares a ‘dirty little secret.’2:53 – We need risk in our portfolio but how do you balance safe money with risk money?  4:02 – The number one thing we’ve seen from portfolios is too much risk.4:19 – The next big pain point is angst about taxes.  6:13 – A strategy you can use to improve your tax situation.  7:41 – Another big pain point: Anxiety over another market crash.11:14 – Time for the mailbag  11:58 – 1st question: There’s a lot of talk about a correction headed our way and possibly soon. We’re close to retirement. Should we go ahead and move to more conservative investments?14:20 – 2nd question: Yields on US Govt bonds have been falling. Should we be repositioning our portfolio?19:14 – Introducing our Spotlight guest today, Michelle McKinnon20:12 – Michelle shares a client story about a recent couple that came in with too many accounts in their portfolio. Here’s what they did to streamline everything and increase income.20:05 – Question from Jimmy: I’ve been taking about 8% per year out of my portfolio because I don’t anticipate living past 75. Is this a bad idea?22:44 – Question from Christine: I was under the impression I wouldn’t pay taxes on Social Security, but I was wrong. Why are the taxes different for each person?