Mike Buckius, chief executive officer at Gateway Investment Advisers, says that the concentration at the top of the market and the rate cycle and the Federal Reserve's delays in cutting rates have made it that investors should manage risks, because valuations have gotten frothy and drawdowns "throw investors off of their long-term plans." He says that the market's bounce-back to record highs makes it feel like stocks are due for 'a pause and consolidation,' which is the kind of time when Gateway's index-option strategy -- using options to generate income that protects against downturns -- tends to work best, and he discusses the firm's new ETF which focuses on the quality factor. Plus, Steve Coughran, chief financial officer at MoneyPickle.com, is here for "The Financial Crunch," discussing whether there is ever a time for investors and savers to act panicky, and how you work with an adviser to build emotional discipline and to never let the market get the best of you. In the Market Call, Scott Bennett of Invest With Rules, brings together trend-following, watching the movements of big money and risk management to decide which stocks and ETFs to invest in now.