Stock prices rise because that's what they do
Pensioners bump muni bonds from senior debt status
Some experts see correction, followed by a leveling off of major indexes
New platform features nonproprietary products only; still lacks customized SMAs
But tardy investors could still find some upside; bottom finally pinpointed
Pullback would likely trigger next big run-up in stocks
Ignoring a useful tool for keeping investors on course; wealthier clients do get written plan
William Smead calls the U.S. 'a paradise for investors'
