Karl Mills, partner at Cerity Partners, says that the U.S. economy remains strong, there are some headwinds facing the stock market and that investors should go back to basics — diversifying across borders and industries and looking for investments they will hold long-term. Mills made it clear that he's optimistic for the long term, noting that investors are more likely to be thrown off by the problems that are not yet obvious — "It's not the monster in the closet that gets you," he says, "it's the one under the bed that you're not paying attention to that is going to get you" — so they need to have a time horizon that looks beyond those issues. Ed Slott, the founder of IRAhelp.com, returns to the show to discuss his new book, out this week, “The Retirement Savings Time Bomb Ticks Louder,” suggesting that converting traditional retirement accounts to tax-free Roth accounts is going to be worth it for most investors, noting that paying the taxes now is a form of insurance against Congress changing laws and raising taxes in the future. Plus, Kyle Guske, investment analyst at New Constructs, talks about "overstated street earnings," and shows why the stock price of NRG Energy is dangerous relative to the real value of the company.