An advisor who is willing and able to change your portfolio allocation independently, as economic or your personal conditions require.

LFM&P: Economic and personal conditions change all the time. Your portfolio should remain flexible and be adjusted to reflect the level of economic risk as well as changes to your own personal conditions and risk tolerance.                                                                    

Common Industry Practice: Your portfolio allocation remains fixed, a captive of impersonal management and a “buy-and-hold” philosophy, regardless of economic risk. This conventional approach led to large losses in the two bear markets this decade, in some cases for investors who could ill-afford them.

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