Excerpt: 'People have to ask themselves, 'Is my retirement plan still moving me toward my goal?' Chances are, after what we've been through, the answer is no, ' says Mark Cortazzo, an investment adviser at Macro Consulting of Parsippany, N.J. 'If you were going somewhere and got lost, you would create a new route to get to your destination and forget about your old route. That's what investors have to do.' Adopting a repair strategy now, rather than waiting until the markets have rebounded, could well reduce the sacrifices you will have to make in coming years to compensate for recent market declines.  MORE >>