How should you change your asset allocation as you near retirement? What does it really mean to "stop playing the game once you've won?" Answering reader questions on asset allocation if you're financially independent, whether it's time to get more international stock exposure, and about investing in bonds in a bear market.#physician #investing #assetallocation #retirementplanning #financialplan #investingplan #financialgoals #portfoliodesign #rebalancing #portfoliotilt #intentionalspending #wci