A recurring theme in the financial media and blogosphere holds that financial advisors have grown complacent about interest rates and bonds. The last cyclical peak in 10-year Treasury yields occurred in September of 1981, 33 years ago. Ever since, we've been in a downward rate environment, which has provided a benign tailwind for bond returns.

Now, the theory goes, advisors are unprepared for an extended period of rising rates. As one blogger expressed it: "an entire generation of professional investors aged 22-60 has never invested during a bear market in bonds."

Are most of today's advisors "bond-complacent?"

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