As you get closer to retirement, hopefully you’ll look back on all the savings you generated throughout your career. It’s a great feeling but you want to make sure you maximize your money. That’s why we want to run through some common mistakes savers make.We’ll also spend time during this episode talking about the market. Despite all of the growth and strong returns, people are still serving up doom and gloom. Why is that? And what can you do to protect yourself from the next downturn.The Spotlight segment is back again for this show as well and we’ll share another successful client story. That’s all on this episode of No Payne, No Gain. Full Show Notes: http://bebullish.com  Here’s the full rundown for this episode:0:32 – Previewing the topics for today’s show.1:17 – You’ve done a great job of saving through the years and now you’ve gotten to retirement. Let’s talk Dos and Donts.1:35 – One of the big things we see is sitting on too much cash.2:35 – Are you keeping up with inflation?3:07 – Another Don’t is taking too much risk in retirement.3:55 – Bob shares a client story on risk tolerance.4:43 – Another concern for savers is the looming tax time bomb that’s waiting for you.5:54 – There are so many tweaks you can do to your portfolio to gain tax benefits.7:44 – We’re in the middle of the longest bull market ever but there’s still doom and gloom.8:41 – We see two extremes right now. The first one is you’re afraid to get in because the market is so high.9:45 – You don’t know when that crash is going to happen so put safeguards in place.11:13 – You need to start looking at how much income you’ll need in retirement and plan your investments around that number.12:25 – Another bad strategy is not making changes because you are too comfortable with how well the market is doing.  14:52 – Spotlight segment with Jen Angell.15:31 – A rundown of the couple that recently visited Jen and the process they went through.17:46 – The 360 financial portal let them look at many different scenarios for their 16 different accounts.