The stock market is on a tear, and keeps rising. While there is no rule that says it can’t keep rising for another year or two, we all know a reversal could come at any time. Therefore, being prepared is the wise thing to do, not keeping all our eggs in one basket. Since 1929, the U.S. has seen exactly eleven bear markets. One day, the 12th will catch up to this aging bull—and it could be a “doozie.” Is your financial plan ready—not only to protect against loss, but to profit over time?