For nearly a decade, the stock market had a strong run. Chances are, many investors have gotten used to that, maybe even a little too comfortable but, this last year was the worst for US stocks since 2008. Is a bear market looming? Are you and your retirement portfolio prepared for upcoming market downturns? Joining us every Wednesday morning for your Retirement Coffee Talk are George Fossing and Ryan Mulligan, of Northstar financial and Retirement Planning.