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PigBank_blog.JPGNow that the worst year on Wall Street since the Great Depression is finally at an end, is there still anyone out there who truly believes that people should be allowed to invest at least part of their Social Security funds in the stock market?

As more independent agencies add life insurance, group benefits, annuity and financial planning departments to increase revenue and hold onto clients, retirement planning will loom larger and larger for producer and client alike. Anyone who had to face clients this year, however, had their hands full explaining how we would ever recover from 2008′s debacle:

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