Everybody knows the expression what goes up also goes down. Repeat as necessary.

We know the stock market retreats and advances. But after the longest running with the bull market for almost a decade, 2018, or at least the last half of it, was a bummer. Many feds, young, old or retired, invested heavily in the stock-indexed C, S and I funds are nervous in the service.

On this episode of the Your Turn radio show, we asked financial planner Arthur Stein what’s going on. A majority of his customers are active or retired feds, and several of them are Thrift Savings Plan millionaires. Your Turn airs at 10 a.m. EST on 1500 AM.