You may have a stock portfolio and a few savings accounts, but do you have a written financial plan? If you don't have a written financial plan for retirement, then you are just wishing. Scott and Angela explain why it's crucial - particularly in times like these - have a plan.

Key takeaways:

• Worst four months since 1939?

• Portfolio positioning versus an adaptable and flexible plan.

• It may be time to get out of the rain and seek shelter.