After checking in with a few kids about their Halloween costume plans, we focus on how this fall has been a spooky time for the market. With stocks down an average of 20% and bonds down about 14% for the year, many are unfortunately finding out their portfolio isn’t as diversified as they thought for their retirement timeline. Plus, Mike discusses Jamie Dimon’s latest comments about a recession looming and possible future S&P 500 drops. Most importantly Mike shares what you should consider if your advisor keeps telling you to hang in there with a cookie-cutter diversified portfolio.