It's fair to say that most of them have lost money,

Anyone owed money by the company when it filed for bankruptcy cannot be paid until the bankruptcy is resolved.

If you're in the market for guidance, this is probably not a bad way to go. A lot of people will try to shame you into thinking you shouldn't be paying for help. But there's nothing shameful in doing it.

It's easy to say, 'Throw it all in stocks,' ... A lot of people say that, but they've never been through a bad bear market.

You want to understand why a bond manager makes certain strategic decisions,

Conventional wisdom is you don't need too many bond funds,