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1st, most likely is determining "risk tolerance", and goals including time frame.

If someone can truly devote the necessary time, and retain information to manage

their own, they are best off. Professional advisory services with good track records

and no conflict of interest hazards are available in every field of investment. Always

do the research necessary to make a choice or decision. Ultimately, the funds come from you, so you are responsible, obtain the right advisory for you.

Hope this helped, Good Luck.

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