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So I read all this last night after a few drinks.... thought maybe I had too many... just read all that stone cold sober.... now I need a drink.
God help anyone this joker convinces to be a client.
I thought it was just me and wasn't going to comment. Definitely a language barrier and no real understanding of these options.
Reminds me of somebody who has not read anything about these things but is going off of the opinion of a trainer or sales manager. So often I was scratching my head after reading and thinking has this person ever done any continuing education on retirement plans?