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Thomas T. Riquier, CFP®, CLU, President of The Retirement Financial Center, is a CERTIFIED FINANCIAL PLANNER™ Professional and an Ed Slott Master Elite IRA Advisor Group™ member.Tom constantly evaluates economic trends in order to recommend appropriate portfolio changes. In September 2008 – the worst economic year since the Depression of 1929-1939 – Tom made the tough recommendation to his clients to liquidate all securities. When he felt the market was nearing the bottom in early March 2009, Tom advised his clients to reenter the market by investing 40% of the portfolio. In June
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