R. Bernard Clay has been in the financial services industry since 1978 when he started with Prudential. His unending curiosity and desire to best serve his clients led him finally to technical analysis and to Dorsey Wright & Associates, and ultimately, to form his own company, Clay Capital Management, LLC which operates your401kadvice.com. He has been studying technical analysis since the 1990’s and is a CMT level 1 candidate. He is currently NSSA (National Social security Advisor) certified and works with retirees seeking to solidify their retirement through the proper use of Social Security, pensions, fixed income and managed money investments. He is also a professional speaker on topics such as Social Security Maximization and the Stock Market.