You go to see your financial advisor and they tell you that as you get older you should shift your retirement portfolio to a more conservative mixture of stocks and bonds. They tell you that over the years bonds give you a steadier stream of income that will allow you to live more comfortably with less risk. They inform you that stocks are too risky to own the older you get and bonds give you leverage against them to protect you in retirement. Explain why you should fire or not fire this financial advisor. Cite specific historical examples and use sample calculations.