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All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner. Text, articles and Garrett logos: ©2010 The Garrett Planning Network, Inc., Sheryl Garrett, Principal. “Making competent, objective financial advice accessible”, “Building Brighter Financial Futures”, “Financial Planning and Advice for Everyday Life” and “Hourly, As-Needed Financial Planning and Advice for Everyday Life… The New Choice for Smart Consumers” are The Garrett Planning Network, Inc. trademarked slogans.

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