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LEERY RETIREES, WEARY ADVISERS: MARKET GYRATIONS GIVE MANY PALPITATIONS & SAVINGS LACERATIONS

Michael J. Zmistowski has spent a lot of time on the phone the past few weeks, fielding calls…

Michael J. Zmistowski has spent a lot of time on the phone the past few weeks, fielding calls from his clients -- most of them retirees -- in varying degrees of panic.

Many just needed reassurance that their money was safe. Some wanted out of equities. One e-mailed in horror at the prospect of a Pr

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