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When it comes to investing and retirement, the stakes are high. So it is no surprise people turn to financial professionals for advice. Unfortunately, lower standards of care (e.g., suitability1) allow many financial professionals and their firms to promote investment products and strategies that are not in the best interests of their clients. Indeed, many of these involve higher fees, more risk, and are tax-inefficient. This often translates into significant headwinds for investment performance and retirement planning.
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