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Balance your finances at the start of 2013 and the year will move smoothly.

Manage risks in a portfolio by re-balancing rigorously. As some sectors do better than others, regularly revisiting investments to make sure a portfolio keeps the intended balance is important

Review and update your financial plan periodically. Tax law changes, fluctuating markets, major life events and many other factors can require changes or adjustments, which the investor should discuss with their financial advisor.

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