If you are five years from retirement or retired, your strategy will have to change from an accumulation stage to a distribution stage. Has the financial advisor you are working with changed your strategy? 

Can you answer "yes" to any of these questions?

Do you have a plan for efficient withdrawals from the right accounts?
Are you structured to protect against market volatility?
Are you structured to reduce your income tax exposure on Required Minimum Distributions?
Do you have your beneficiaries structured correctly under Trump Tax Reform?
Do you know what the maximum income is that you can spend without running out of money?
Do you have an asset protection plan against health and long term care catastrophes? 

It is not knowing everything about investments, taxes, insurance, trusts and distributions strategies.  It is about having a clear vision of what you want, then finding the people to help you achieve it!