This week Paul Nichols, the financial coach, focuses on his bi-monthly market update. The recent stock market hiccup, brought on by bonds being rated as risky from conservative by a major brokerage firm and the feds reluctance to continue buying bonds at their current rate may be significant for those that are concerned about retirement planning, income tax, and potentially alternatives to bonds which by the way are predominantly found in life-insurance. When it comes to financial planning one doesn’t need to know everything, just a few right things.