Lately, whenever I’m out in the community (which typically means Wegmans, Aldi's, or Home Depot), meeting with local business owners, or grabbing coffee with couples planning their retirement, the exact same question keeps popping up: “Are we too late?” With everything going on in the world, people are anxious, worried, excited, sitting back smiling while they read over their statements, or kicking themselves for not jumping in at the right time. They look at the market leve