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Nino Pavan, the president of Financial Designs, has worked in the financial services industry for more than 20 years. He oversees the day-to-day business operations while also using his expertise in retirement planning to help his clients prepare for their futures. During law school at the University of Southern California, Pavan also completed continuing education units in law, financial planning and insurance. He entered the financial and estate planning services in 1994.
After witnessing the accomplishments that retirement savers have achieved, and the mistakes they've made, a few helpful truths become clear.
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When the financial clouds are gathering, you have some preparations to make. No. 1: Reduce your risk.
If you're already retired or near retirement, you might consider turning to low-volatility bond investment and money-market accounts before the next storm hits.