This article was originally written for and published by ADVISOR TODAY, the journal of the National Association of Insurance and Financial Advisors. It has been used nationwide as a client and advisor education piece and has been selected for presentation at the annual meeting of the Academy of Financial Planning this fall in Anaheim, CA.
A link to the article in its original format is here: http://cfofa.files.wordpress.com/2008/10/advisor-today-ap-1013.pdf