. >> 63-year-old michelle jeggy has plan planning for retirement, putting her money into stocks for decade. >> i've been a big investor. that is the way to grow. 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 retir 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 ha