What’s Keeping Money Managers Up At Night in ’18?

A new TD Ameritrade study lists the main fears facing investment advisors in 2018 (including low client retirement issues, tax changes and estate planning issues. We’re summing up all the risks and fears facing advisors and savers/investors this year. What’s the biggest financial fear facing both in 2018, and why? All comments welcome. Requirements: Financial advisors, money managers, retirement experts, tax experts, estate planning experts, investors.