Over the past 30 years, the investing landscape for retirees has altered radically. One of the fundamental bases for portfolio allocation has required revision. While these ratios have undergone significant change, the ETF boom now makes the menu of options across the board much broader than ever before. However, for a tried and true equities ... If Your Advisor Said to Add Bonds at 65, They Were Right — in 1995. Here’s What That Advice Should Sound Like in 2026.