Now Everyone Has Plans For Your Money

Contemplating retirement and receiving an inheritance prompted Richard Jones, a 62-year-old corporate marketing executive, to seek financial-planning help. He wasn't interested in an investment overhaul but more of a one-time checkup. Instead of going to a financial planner, Jones called Vanguard Group, the mutual-fund family where he had an account, and completed its comprehensive questionnaire. Vanguard recommended that Jones invest more money in domestic index funds and international equities. "I was able to implement the financial plan the minute I got it," says Jones.

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