Wish you had a crystal ball for retirement planning? Most of us do, and for good reason... This is where a financial adviser can help. We asked financial advisers for some of the most important ideas they wish their clients understood when it comes to money, retirement, and the future - and here are their answers.

In periods of prosperity, stocks outperform. In periods of deflation, bonds do well. In periods of inflation, gold shines. During a recession or a liquidity crisis, cash is king. However, the Permanent Portfolio weathers all types of market conditions.

I think the pros outweigh the cons overall regarding indexing but it’s always a good idea to consider the risks involved when any idea becomes so popular so allow me to play Devil’s Advocate on index funds.

We feel the pain of losing money so much more than we feel the joy of earning a reward. This trend is called "loss aversion," but, in everyday terms, you might find it a bit familiar to FOMO: the fear of missing out.