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Carolyn is a CFP and M.D., and is the director of financial planning at Life Planning Partners in Jacksonville, Florida. Follow her on Twitter at @CarolynMcC.

Clients may consider annuitizing a portion of their retirement savings to guarantee an income stream in retirement; plus, how retirees should assess their liquid assets.

Craig Faulkner is the CEO of FMG Suite.

Christine Gaze is responsible for developing and executing the strategic direction of all advisor practice management and business consulting services for TD Ameritrade Institutional. She is focused on building practice management programs designed to help independent registered investment advisors run and grow their businesses. Christine is an avid researcher of broad industry trends and specific advisory practice insights. She is a regular speaker, moderator, and contributor at industry events.\nPrior to joining TD Ameritrade in 2012, Gaze spent more than 16 years of experience in the financial services industry working in the areas of human capital development, sales strategy and wealth management. Most recently, Gaze served as executive director at Morgan Stanley Private Bank where she led new business development initiatives that helped advisors focus on cultivating relationships with high net worth investors. She was a founding member of the practice management consulting group at Wachovia Securities and has held a variety of sales and leadership roles at firms including Merrill Lynch, Prudential and AllianceBernstein.\nGaze received a Bachelor of Science in Business Administration and Psychology from the State University of New York at Brockport. She earned a Certified Investment Management Analyst© designation through the Wharton School at the University of Pennsylvania and is Series 7, 63, and 24 licensed.

Have you tried asking a client what you do for them? Their responses may be worrisome.

Elizabeth McCourt is president of McCourt Leadership Group, a coaching and consulting firm in Westhampton Beach, N.Y.

Min Zhang, CFA, is CEO and co-founder of Totum Wealth.

The weak performance was due to challenging market conditions, which reduced assets under management and client activity, the bank's CFO said.