Your investment portfolio is the sailboat to take you on your journey to and through retirement. The boat is made of investments, and RAM employees are the crew. The economy is the wind, and the chop on the water is volatility. Normally we would write about some standard adjustments the crew is making in anticipation of changing winds and chop. But SARS-CoV-2, the name of the virus that causes the disease Covid-19, has created unprecedented wind patterns, unprecedented chop,