A happy retirement dream for Adam is to live on a lake near a golf course, travel the world playing the most beautiful golf courses with his wife, and to have a big family of grandchildren and great-grandchildren.

I’ve been in the financial planning world for close to 30 years now, and during that time, I’ve seen rapid market growth sometimes lead to a correction, which is generally accepted as a drop of 10-20 percent in an index, such as the Dow Jones Industrial Average® or the …