I lost money last year, that’s disappointing. I thought the economy was doing pretty well, what happened? Last year was a difficult one, even for diversified portfolios. We build diversified portfolios that allocate to growth assets in the form of equities, inflation-protecting assets like commodities and real estate, and income-oriented investments, namely bonds. Over the long run, diversification helps to minimize risk, but there are certainly years where a diversified portfolio can lose value. Last year was one of those years, and it’s something we plan for when we create a client’s financial plan and make projections about the future.