Twenty years ago, investors found themselves in the middle of the biggest and longest sustained bull market of all time which began in 1983 and came to a halt in the spring of 2000. Those who retired in 1999 received a shock over the next 10 years. A bad sequence of returns followed and the S & P ran negative for a decade. Those who started withdrawing 5% or 6% from their investment portfolios could have been down by 70% by 2009. Those with pensions and annuities were unaffected. Their income continued without a hitch. To add to the problem, interest rates on safe bonds fell from their long term "normal" in the 5% to 9% range, down to 2%. In segment 2, we talk about viewpoints from one of the foremost authors on retirement planning, Dr. Moshe Milevsky with York University in Canada, best selling author of "Pensionize Your Nest Egg." Dr. Milevsky joins the A-Team in segment 3 for the Q & A for a lively discussion of pressing topics for retirees.