text:  now that you've been putting money into these plans all these years and you've been seeing it go up and go down, now that the Dow's at an all-time high, now is really the time to put a plan in place to make sure that your retirement isn't going to be subject to the ups and downs of the markets. Because one of the things that people think about when the market is at an all-time high is, well, we have to have a pullback coming