1.  My husband and I are moving to Fidelity to set up your Ultimate Buy and Hold Portfolio.  How do we make the change from our holdings to your portfolio?  Do I have to sell all of my holdings?  Plus we want to find an hourly advisor  to help.  Can you make a recommendation? 1:45   2. I have $1million in a money market fund.  Do you think it is time to start reducing the cash position and moving to short term bonds or equity ETFS? 8:45   3.  Are target date funds the same as all in one funds? 17:15   4.  I would like your guidance on the decision to put together a S&P 500 and Small Cap portfolio using 3 to 1 leveraged fu?nds.  Does the extra return justify the higher risk? 20:00   5.  How should I protect my portfolio against inflation from the loss of the petrodollar? 35:00   6.  From what I can see you have not addressed investment needs of older people in their 80s and 90s.  How should I invest?  I just can’t afford to lose money at my age. 39:17   7.  Would I be dumb to have 10% of my retirement funds in gold? 46:20   8.  With the fed getting ready to lower interest rates should I move my money market funds into 10 year Treasuries? 52:40   9.  In the small cap blend and small cap value indexes it seems investors don’t get the advantage of owning small companies that grow to be the giants of corporate America.  How do you get the premium when you have to sell the companies when they move beyond their index? 59:15   10.  What is the difference between your 2 Funds for Life strategy and the two fund strategy that holds the S&P 500 and small cap value? 1:01