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Marlin Smith, and his team of wealth managers, was recently featured in Worth Magazine’s Leading Wealth Advisors section.  Mr. Smith’s profile included his essay, “How can I keep my retirement funds intact if there is another downturn?” In it, Smith writes that taking withdrawals from retirement accounts only exacerbate the effect of poor market performance in down years. Withdrawals during downturns in the initial years of retirement are especially devastating, even with the usual volatility and downturns. Traditionally, diversification may help smooth over some of those down years.

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