Bob and Sharon, clients from Sequim, Wash., called last week. They are smart, semi-retired professionals and ex-Californians. They are interested in simplicity, having enough income to last their lives and driven to protect a small financial legacy for their kids. Bob and Sharon worry a lot these days. They worry about their friends’ irrational and emotional reactions to the recent elections. They are concerned about unions striking for benefits not available to the majority of Americans. They are anxious about the future of families on the East Coast who denounce FEMA, but did not plan for their own protection. And …