I was at the Mayo Hospital’s own chronic pain rehabilitation clinic, and have all the PT exercises they had their patients all do if interested.

If your portfolio was a Fidelity target date fund, it would not be impacted by the local industry you mention in your post.

I also happen to know more about the details of how our retirement fund recommendations to clients works at Fidelity… because I worked there for the last 5 years.

You are showing the results of poor selection on your part.