Today on Your Money, Your Wealth, we're getting back to investing basics with an army of smart fellows from pure financial advisors and me, producer Andy Last.

First, Matt Balderson, CFP, lays out what makes for a wise investing philosophy when you're on the market volatility roller coaster.

Brian Perry, CFP, CFA, shares tips for avoiding people with bad financial intentions, and Joe Anderson,

CFP, and Big Al-Clo-Klo-Pin CPA go over finding a financial fiduciary, drawing up a good investment policy

statement, and figuring out the annual percentage rate on an IRS payment plan. Joe and Big Al also do

some math, just a little, mind you, to figure out when a teacher should retire and what to do with her pension.

And, of course, the fellows throw in some Roth conversion talk, too.

Here to kick things off for us are Big Al Clopine CPA and Matt Baldurston CFP.

Matt, I want to talk to you about investing in these crazy markets.

And actually, markets are always crazy, Matt.

It's hard to think of when they're not crazy.

Yeah, and I think by definition.

The truth is, I mean, you can go back to virtually any year, any decade, and there's all kinds

of things that happen that you would say, man, you shouldn't necessarily be invested right

now because of, and yet if you

took that attitude, you would never get anywhere in your portfolio. Yeah, the analogy I like to use

is if you got on a roller coaster and then when you got off, you were mad because it went up and down

too much, then you didn't understand the ride. That is a great analogy. I've never heard anybody

used that before. That's perfect. All right. I like that.

How do you even know if you've got the right portfolio in the first place?

There's so many different variables associated with that.

A lot of the things that we like to do is look at how much do you need to draw from the portfolio.

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