text:  This is the Savvy Investor Money Report, planning your retirement. I'm Mike Macho. Retirement can be complicated, and recent events have made it even more challenging. Joining us now is Mike Connett, the president of ProStatus Financial Advisors Group, a Baltimore-area firm that focuses on preparing people for a successful retirement. Mike is also a popular radio show host here on WCBM. Mike, what should people close to retirement be doing about the risk level in their portfolios at this stage of their life?