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This article appeared in the March 2020 Journal of Financial Service Professionals. 

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This article appeared in the May 2020 Journal of Financial Service Professionals. 

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The Journal of Financial Service Professionals is one of the oldest and most prestigious journals in the financial planning field. From its roots in insurance, pensions, and estate planning, the Journal has evolved into a vehicle for groundbreaking applied research on topics of concern to the holistic financial planner. It is a blind peer-reviewed journal with a competitive nature [...]

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