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"Choosing a competent, ethical financial planning professional to help you achieve your goals is as critical as selecting a good doctor or lawyer," says the Institute of Certified Financial Planners. To help consumers find the right planner, the institute is offering a free brochure, "First Steps to Financial Security: A Guide For Selecting a Certified Financial Planner." The organization also will give consumers a list of up to five certified financial planners in their areas. For a list or the free guide, call 800-282-7526.

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