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Good point, BG. And that leads to two follow-up points--

1. If you use a financial planner or other professional, you need someone who you are willing to share all of your financial information with.

2. GiGo (garbage in/garbage out) applies. If you fail to tell everything to your financial advisor, don't be surprised if the advice you get is incomplete or inaccurate in your true circumstance.

Its your responsibility to adjust the advice accordingly. You may as well get a book and do your own.
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