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 We believe the best way to construct an investment plan is to carefully review all investments a client owns to see:
- If there is an asset allocation strategy in place
- If the current plan takes into account the client's age, time horizon, and goals
- If there are stocks or types of investments that are under/over represented
- If investment risks can be reduced
- If the returns from taxable accounts are forfeited after taxes are paid
- If the benefits of tax deferred accounts (i.e., retirement plans) are fully realized
- If investments owned are "expensive" -- i.e., carry excessive fees
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