This week on "Money Talks," Troy Harmon, CFA, CVA, is joined by Principal Jennifer J. Thomas, CFP®, and Senior Associate Jarrett McKenzie, CFP®, CWS®, to discuss the significance of the Dow reaching the 20,000 benchmark. They also talk about sector earnings performance, new and existing home sales and the Semi book-to-bill ratio. Jarrett and Jennifer lead a discussion on how 401(k) allocations can get "out of whack" even if you’ve been following your adviser’s recommendations. The experts also discuss a listeners’ question on prepaying his mortgage versus investing in a Roth IRA.