sharon epperson explains what you need to know to avoid any big surprises this tax season. >> no one likes a surprise at tax time, especially when 48-year-old drew mckinnon is no exception. >> i'm always nervous to try to get everything ton by april 15th. >> he owns a bicycle shop in new jersey suburb. he took it over from his father 15 years ago. he applies a keen business lesson he's learned from running the store to his own financial life -- get in gear before the busy season begins. >> for his business, that means having the right inventory in stock. for his finances, it means making sure his investments are in the right place. >> one of the things that's helped the business out and my personal finances out is rebalancing accounts and finding one of the things my adviser calls asset allocation. >> setting up a tax-deferred retirement account geared toward small business owners was one of the strategies that his financial adviser suggested, to help him avoid a big tax surprise this april. yet many workers and investors may be blindsided that could have you had in a significant tax

that's sharon epperson's beat.e with her top picks and who she thinks was overlooked. >> let me start with lord john brown, he's at the top of my list. the ceo during the time when bp transformed into a powerhouse, looking at renewable energy as well as expanding into various parts of the globe, mainly russia. russian oil reserves, that was a huge deal. merger with amoco, another huge deal. >> a transformer but not a noncontroversial one. >> he had the texas city incident and the prudholm bay incident in alaska. it was the affair he had at the end of his tenure that caused his early retirement, the fact he told an untruth about his relationship that later came to light and then years later, described how he tried to keep his private life private for so many years. >> you think he is justifiably on this list? >> i think so. >> let's move on to another one whom you endorse. >> richard kinder is one to watch as he continues to grow kinder morgan, a company that started in 1996 after he left enron. he is probably one o

joining me marcus lemonis, sharon epperson, josh brown, and shark tank investor, author of "the cold,truth on men, women, and money," kevin o'leary. josh brown, you had a piece today where you effectively called this out as a frothy market. it echoes some of the concerns jim cramer was telling us he had in the tech space. how worried should people be -- granted we were a little down today -- but generally speaking about the market? >> tech space -- let's talk about the biotech space which would make the tech space blush right now. this is a sector that's up 70%, seven zero, over the last year. that's the entire industry's worth of stocks. 122 of the biotechs in the russell 1000 are not even profitable, and i think what we really want to focus on here is that this can continue for a long time. so just saying it's frothy in and of itself is not indicative of a market top. i think if you think about, look, the nasdaq in 1999 in january was at 90 times earnings, you would have said that's frothy, and then the nasdaq went on to go up another 130% from there. so i think that's what the hot

joining me are sharon epperson and kayla tausche, kevin o'leary.lso with us, "fast money" contributor brian kelly. it is great to see all of you. mr. kelly, your thoughts on this market? >> yeah, boring. it's not over yet. still going lower. those are my general thoughts. >> wait a minute, it can't be that boring if we're only pausing here on what's actually been a pretty sharp downward move. >> yeah, but listen, we're up a half a percentage point, 0.8% on the nasdaq. that's nothing compared to what happened yesterday, and not only that, i still continue to hear people talking about let's get that shopping list out, this is a buying opportunity. >> yes. >> when people start -- listen, when people start to ask how low can it go? that's your boouying opportunit at that point. >> when people see it more as guy adami says, a selling opportunity -- >> exactly. >> that's when you need to be paying attention. >> then you buy. >> then you buy. one thing people are buying -- let's talk about some ports in the storm. gold, natural gas. >> yeah. >> it's a mir

so for help on how to better meet your retirement goals, sharon epperson is here. >> good morning, good than men. women saved on average about $34,000 compared to $70,000 for men. so making less money, working part time, these things are holding women back in saving. and there are a number of other factors as well. >> i wondered about those factors. if you're making less, obviously you're going to save less. are there other things that explain why women would be saving less? >> one of the things we looked at is the percentage of pay women are putting into their 401 ks, for instance, is less than men. the amount of trying to get full matching contributions from their employer is also less than men. but they're still being offered the same plans as men and are contributing but just not as much. >> i read that women are likely to underestimate how much they'll need for retirement. >> women more than men think they'll need less than $250,000 for retirement and that's according to the employee benefits research institute. what's interesting is we know women are going to live longer, health c