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Jake Carpenter

Vice president of investor relations

Equilus Capital Partners

Due to a variety of political and economic factors, individuals are having to make some tough decisions as it relates to their retirement and investment accounts. I want to focus on addressing those tough decisions, as well as some alternatives to being positioned in stocks, bonds and mutual funds.

I run across two common situations that are causing people heartburn. Either they have a bunch of money earmarked for retirement in a 401(k), IRA or other retirement account, and the account balance is dropping every day due to market instability. Or they have a lot of cash sitting in checking, savings or CD accounts at the bank, earning little to nothing.

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