It is a great achievement to pass a test and a huge relief when you see the passing score on the screen  The preparation for the exams help you pass the test but does not directly help you make money for clients.  It goes without saying that meeting the client's goals and objectives is essential.  Many of your employers will want you to outsource at least part of the investment decison making but for those of you who have he flexibility to add value through asset allocation and security selection, what approach will you take?

Mike

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