A good planner should be listening to the holistic picture of what you are financially. What are your financial goals? What are you afraid of? How risky do you want to be? If they're like, you should do this, this isn't that, that is not a good planner for us. Some of the new networks that we often mention here, the Motley Fool, are Napfa, the Garrett planning network and the XY planning network.

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