Today, March 9th, marks the seventh anniversary of the current bull market--making it 84 months old. That's the third longest in history with the average being 44 months. Are we due? The Wall Street Journal points out that those retiring in 2016 and 2017 have the highest risk of retiring into a bear market since 1999. The Journal's article interviewed renowned retirement expert Dr. Wade Pfau. Wade D. Pfau, PhD, CFA, is a Professor of Retirement Income in the new PhD program for Financial and Retirement Planning at The American College in Bryn Mawr, PA.