Okay, we've all heard the recession word over and over again this month.  Many analysts and economists are predicting one.  Many retirees have e-mailed us recently and mentioned downturns in their portfolio's.  It's probably  a great time to sit down with your financial planner and look at your investment strategy..especially if you're retiring soon or need to start generating retirement income.

Bush acknowledged in his State of the Union speech that "at kitchen tables across our country, there is a concern about our economic future."

"In the long run, Americans can be confident about our economic growth," the president said. "But in the short run, we can all see that that growth is slowing."