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.