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Two months ago, the research organization LIMRA International surveyed 700 experienced financial advisors who work with individual clients. When asked about actions they have taken recently, 85% of the advisors said they were reassuring clients to “stay the course.”

During this recession, “stay the course” has become an overused mantra that is anything but reassuring to most investors. At a time when people are feeling stressed and insecure, it suggests that professional advisors are hanging on passively, holding onto the past and running on inertia.

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