We’ve all heard the joke that the stock market has dropped so much in value, 403Bs are now called 203Bs. Unfortunately, it’s no laughing matter and the question on everyone’s mind is, what to do?

I’m happy to tell you that in spite of the economic gloom and doom, there is some great news to report. Effective January 1, 2009, and for the first time in forty years, there are new mandated regulations and reforms that will both greatly expand your investment choices and allow you the flexibility to customize your portfolio with an enticing range of asset allocations.