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The mutual fund industry has problems beyond the ones regulators are investigating, and unfortunately they have included a combination of arrogance and indifference to the needs of customers. As a professional advisor, you are closer to your clients than are most mutual fund groups. You take the time to understand and address clients’ needs. In this column, I’d like to help you focus on specific ideas for changing your practice in 2004, to take advantage of powerful trends in your profession.

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