Triggered by fears that Italy might leave the Euro, a flight to safety sent US bond yields lower….the opposite direction the media has told you they will go. Bill Gross’s Janus Henderson unconstrained bond funds dropped 3% in one day making a tough year for him even worse. Are we at the top of our economic cycle? Also:

• Partial Roth conversions that can harm you

• 3 major things to consider as you go into retirement

• Hybrid life insurance policies and annuity rescue options

• When to avoid