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It’s a common misconception that we are completely disconnected from our investment returns.  We put our money to work in the market, hopefully in concert with a trusted financial advisor who helped us develop a meaningful plan, and from there, we are at the mercy of market returns.  But that’s only partially true.

New York Times blogger Carl Richards does a great job illustrating the role we play in earning our returns, using the backdrop of an amazing 2012 market to illustrate this idea.  Please click on the link below and enjoy!


Have a great week!