I have been directing my comments to this group — so dear to my own heart — for years. These are the people who saved and invested for their future. Depending on how this crisis is handled by our government, many people will be revising their retirement plans — even after being retired. Less travel, for sure. Cutting spending, likely. And we will see what else is required. But America will come back and so will the markets. As long as you can ride it out and have a good plan, there is no reason to panic!