​Except for domestic small-cap stocks, which have been on a tear recently, markets were lower last week. In the short-term, investors have been rotating out of the Technology Sector and into the lagging value sectors and smaller market cap companies. Whether this is the start of a larger rotation or a temporary move remains to be seen.

Retirement is a time for relaxation, travel, and pursuing passions, but it also requires careful financial planning to ensure those dreams can become a reality. One of the biggest challenges retirees face is balancing their spending. If they are overspending, they can quickly deplete savings meant to sustain them through their retirement. On the other hand, if they are underspending, they could miss the opportunity to enjoy their most vibrant years of retirement.