it is a rocky road, but that is the way to grow. >> now jeggy, who runs her own insurance business in suburban new jersey, is in the danger zone. the last five to ten years before retirement could make or break your financial future, especially if you leave your hard-earned money exposed to too much risk. >> i've always invested at least 30% of my money, if not more. >> but an unexpected financial crisis could wreak havoc on investments. think about 2008 when the average u.s. worker lost about 24% of the balance in their 401(k) account. even in better times, market volatility always unpredictable could seriously damage your nest egg. jeggy is working closely with a financial adviser to mak changes to keep her money safe. >> putting your retirement plan in place mean making sure that clients will have a successful financial plan in good average and in poor markets. so essentially if we have a financial plan working in all of those environments, we have taken the market out of the equation. >>ping up to retirement, they agree it is important for investors to diversify assets. minimize t