Discover how to balance stocks, bonds, and cash in your portfolio to align with your financial goals and risk tolerance for optimal returns over time.

Using age to determine your stock-bond mix is the default for retirement investing. But now retirement can last 30 years or more, it's time to rethink the rules.

Forbes contributors publish independent expert analyses and insights. I am the President of Diversified, a CFP and author. Financial planning carries a widespread misconception about the time frame ...