"Ric Edelman" is the chair (official)/chairman and chief executive officer/CEO of Edelman Financial Services, LLC, the author of several personal finance books and the host of a broadcast syndication/syndicated weekly personal finance talk radio show called The Ric Edelman Show. Edelman was ranked the #1 Independent Financial Advisor in the United States by Barron’s in 2009, 2010, and 2012. For 2011, Edelman was ranked #2. He is an alumnus of Rowan University.

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Does it help to send people to drunk-driving class after they're arrested.

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[So spread your wealth, and you should be fine. If you do, you can rest easy while the market shudders.] Interest rates are cyclical; they go up and they go down, ... Trying to ride that roller coaster is silly.

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Left to their own devices, (investors) naturally choose safety and it's one of the worst decisions they can make.

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You are gambling on tax advantages being present in 20 years when you are ready to withdraw from the contract and I'm not convinced that's going to be true, ... I think that the consumer is generally unaware of certain material facts, particularly the tax risk and compensation issues.

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These things can be helpful when people are there voluntarily. But if they're mandatory, they may consider it punitive — something to get through — and just put in the time.

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Even though they may work in college, they weren't making near the money they're making now. They've never seen this much money in their lives.

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With that money sitting in your pocket, all of a sudden you're going to buy more expensive wines at dinner, take a carriage ride and ogle at some glorious thing in a window.

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