joining me now with tips to navigate the market, jamie foxx, managing partner for harris financial group most of the american scene and phil silverman, managing partner at king's view capital. you know, we are not in a true correction, but we certainly have a pullback, five to 10% from highs on the market. what would you be telling people who are on the cusp of retirement or may be in retirement. >> first, stick with the allocation you have developed. if you put one together and you have a plan. all of the people don't really have a plan with these markets, and in that case i what kind of bear on the side of caution. a great year in the market to migrate for years, and it appears that there -- the volatility is returning. i would not jump to any, you know, quick moves to try to buy a pullback or make any big changes. be patient and don't be afraid, if you have cash, just hang onto it. gerri: to you. some people are out there, they want to stay in cash. story this weekend baron's recommended. what as a class to you like best at this point? >> well, i would like to say to all the pre retir