Torn between getting in the market with a substantial investment due to all time highs. With a little luck I’m waiting on a down turn to get into the market. Any advise from the folks that have crossed this bridge already? Concern is retiring on an up cycle then having a 2008 scenario that takes 3.5 years to recover. I’ve met with 18 Financial Advisers, have dabbled on the outside a bit and have some investments with Edward Jones already. I believe the advisor makes more of a difference than the company after all of the interviews. At any rate, penny for your thoughts. Take care and stay safe.