Mid 40's....former Institutional bond trader and salesman, turned retail in middle age. Reside in a South Eastern coastal city. I am a Wealth Manager at a wirehouse. Conservative long term investor. Prefer to manage risk rather than seek explosive but volatile returns. The institutional side taught me that emotion is the biggest impediment to making good decisions. Have a plan, stick to it, revise from time to time, but above all else, be objective.