Bob Payne has spent nearly a half-century in finance and that’s more than enough time to form his own philosophy on investing. On this episode, we share some of our favorite ‘Bob-isms’ that get said around the office before we discuss some of the common financial concerns we see from clients.Today's rundown: 0:32 – Previewing today’s episode1:15 – Celebrating 45 years in the retirement business for Bob with some of his best sayings.1:46 – ‘Invest in the market you have, not the market you want.2:49 – ‘You don’t get good prices with good news.’3:44 – ‘The world doesn’t end very often.’4:02 – ‘Portfolios should be managed in concert with every dollar that you have.’8:58 – Common financial concerns. The first is we’re living longer so we have to make our money last longer.10:32 – Another concern: healthcare costs continue to rise.  12:34 – What are some of the common things we see that need to be changed in portfolios?14:33 – What can you do if your estimations for retirement are coming up short?19:08 – Mailbag time19:34 – Mailbag question:  I’m 62 and making more money than I ever have but I hate all the red tape and politics of a Fortune 500 company. Do you think I’d regret walking away from this income?21:51 – Mailbag question: How can I tell if a financial advisor is qualified or not? My brother-in-law just informed us he’s a financial advisor after last month being a life coach. It makes me skeptical of the profession.Get the full show notes and additional resources here: http://bebullish.com