If the financial markets are making you uneasy, you're not alone.

But experts say, don't panic.

"This is not a time to panic, sell, and get out," said Randy Rhodes, Financial Solutions financial adviser.

But it may be time to make some changes.

"It's just an opportunity to review their current investment structure, look at it, see if they're diversified, talk to their current adviser, see if maybe they should be doing something different," said Rhodes.

And if you're not investing in sound companies, that could mean selling those stocks.

"You want to make sure that the investments you're using are good and sound and there's a lot of good, sound companies out there. But sometimes we got to weed out some of the bad ones and make some adjustments," Rhodes said.

If you're thinking about making new investments, experts say think long-term.

"There's opportunity at all times to get in, and that's the nice thing about retirement plans--whether it's a 401K, or a simple IRA, or a Roth IRA--is there's a lot of money going into the market place because people are doing systematic investments, which is a great way of buying no matter what the price," said Rhodes.

So how do you make it through the financial crisis?

1. Diversify your portfolio.
2. Invest in sound companies, and weed out bad ones.
3. Think long term.
4. Don't sell off all your stock just because the market is low.

"Remain as calm as possible, talk with your adviser and hopefully ride this through," said Rhodes.

He adds, if you are looking at new investments, there are opportunities to buy low, but you need to ask yourself if you can handle more volatility in the market.