Most of the value in a financial plan (or facelift, or makeover, or what-have-you) is in showing your work, not in the answers themselves. That is, the fact that recommendations are made for you is equally - if not more - important than the fact that recommendations are made at all.
Read MoreMy hope for you this year is that - no matter what your circumstances - you take the time to get really, really clear about what those circumstances actually are, and plan to repeat the process when they change.
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