Dear Carrie: This market has taken a huge bite out of my wife's and my retirement holdings. Fortunately, we moved our funds last October into government bond funds, but even these have not held up well. Since we are both retired, in our late 60s, we wonder what we should do next. Generally, for those of us who are retired, with retirement holdings that this economy hit hard, where should we go from here to protect our finances? — A Reader

Dear Reader: It certainly sounds like the ...

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