We often think of the new year as a fresh start – the ideal time to take a close look at your investments and financial situation. When it comes to investments, many pore over their portfolio – likely flat after crummy returns for almost everyone in 2018 – and ask the key question: “How can I do better this year?”

Lately, I have been reading a number of articles by industry experts and journalists espousing the virtues of the sixty-equity, forty-bond allocation. Their reasoning is that There Is No Alternative (TINA) to earn a good return on your hard-earned capital. I know enough to know this advice is more in line with their interests than yours. In 2017, it will only have been ten years since the beginning of the last financial crisis. For someone who is retired, or soon to be, the 60-40 allocation may be very dangerous advice. Here’s why!

Ladies, if you’re looking to get ahead financially Well-Heeled is for you.