Volatility comes with investing in the market. That's just the price you pay to benefit from the potential for larger gains. Over long periods of time, the market grows over 90 percent of the time. However, what if you don't have as much time to recover from a major market pullback? What options do you have to build safety into your portfolio and retirement income plan? In this episode, we share how to get total protection and how to use conservative investments to your advantage.