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As an employee benefits professional, you might also have clients with individual retirement plans, or clients with insurance products allowing some voluntary choice in how the money is invested.  Variable annuities are a good example.  In addition, you might have business clients that provide employees with 401(k) plans that allow them to choose how their contributions are invested, so you offer educational seminars for those employees.  What do all these situations have in common?

Each involves people who may need guidance on how to invest.

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