What Percent Is the Required Minimum Distribution? For sure, they have many examples of this. They want you to read the headline. Conclusion The United States largely invented defined-contribution investing. Automatic-enrollment programs, default investments, and auto-escalation features have improved the early versions of plans. We provide a platform for our authors to report on investments fairly, accurately, and from the investors point of view. One U.S. A simple service that could help retirees and pre-retirees help themselves. Until you get to the dark underbelly. The system has more than $4 billion in assets. Full-Time Retirement Services Staff. In the presentation, he lets us look under the hood of the book and from this excerpt, here are some of the topics hes covered: The end-around maneuver for avoiding congress devastating new retirement law[NOTE:Ive laid out 7 distinct strategies here for successfully accomplishing this end-around. The end-around maneuver for avoiding congress devastating new retirement law [NOTE:Ive laid out 7 distinct strategies here for successfully accomplishing this end-around. And, of course, the only way to guarantee a good retirement plan for yourself is by making the right investment decisions. Access to the Online Retirement Spending Calculator with which you can craft your own retirement plan. Morningstars policy analysts have diligently suggested enhancements that work within the existing structure. Only you can answer this based on our discussion. The investment gurus' unrivaled experience will ensure that you can get the largest gains the world's markets have to offer. Bob Carlson says that Congress (even in state and local governments) is always passing laws to increase tax rates thus impacting your retirement plans and his book helps you protect your nest egg. Bob's Journal for 1/12/22 . A free copy of Bob Carlson's "New American Retirement Plan" One year's worth of Retirement Watch monthly online issues Cost and Refund Policy Bob currently is offering a discounted price for his platinum subscription that he claims is worth $897.75. The solution? 12 monthly issues of Bob Carlsons Retirement Watch (newsletter issues). With a thirty-day no-risk money-back guarantee, you can simply refund your purchase if you decide that the service is not to your liking. But why are there no clear proofs of success? Most people have no idea this legislation just fast-tracked its way through Congress. As we noted earlier, this makes sense since the editor is also a lawyer. Unfortunately, those changes can only accomplish so much. Comment your thoughts below. In fact, another comment even said that Retirement Watch is also apt for people in the middle of their careers. There are many more ways available to secure their own and their families' financial independence than most people realize. So it goes without saying, youll need to revise your plan. Which obviously gives you very little time to actually do something about it. It is set up at a financial institution and it allows you to save for your retirement with tax-free growth or on tax-deferred terms. I did the work. Please log in again. Look, Ive advised friends and family members to use The Plan for themselves. Retirement Doomsday is coming whether youre ready for it or not. You can get a free copy of the book if you sign up for his Retirement Watch newsletter. Around 100 people reviewed the Retirement Watch on Stock Gumshoe. According to the firm, these are among "America's leading investing minds.". It even touches on housing for seniors and IRAs. What weve found is that most retirees dont have this information, so they pay too much out of their own pockets for medical care. What does this mean? Naturally, they would be skeptical about this service as well. It is doing this by drastically taxing withdrawals from retirement savings. Im 54 years old and Im dependent on you., Retirement Watch helped me conserve my investments after a very bad experience with a financial supervisor. The 401 (k) system has reached its limit. The ones with the highest cumulative returns are "Sector" (292.90%) and "Balanced" (264.04%). But you know how we are thorough about such claims. The New American Retirement Plan The time is right, even if the politicians aren't yet ready. Please see our privacy policy, terms of use, and affiliate disclosure to learn more. PAGE 62, How To Practically Guarantee You Never Out-Live Your Money in RetirementPAGE 9, The Surefire Way To Get 76% More on Your Social Security PayoutsPAGE 136, How To Get Paid Monthly or Quarterly Using my Retirement Paycheck PortfolioPAGE 35, How to Collect TAX-FREE Payouts, Every Month for LifePAGE 68, The New American Retirement Plan Method for Best Managing Your IRAs and Roth IRAs (Once Youve Accumulated It)PAGE 98, 3 Changes Every American Should Consider for their Estate Plan No Matter How Much Money You HavePAGE 143, Mutual Funds Tax Secrets that 99% of Americans Know Nothing AboutPAGE 97, The Dos & Donts of IRA InvestingPAGE 72. So if you decide you want a refund at Day 29 for any reason whatsoever Ill promptly return your small membership fee in full. A few are simple; others are slightly more complicated. As an editor, he tried to protect his reputation through the years. Weve just seen the first of a series of actions by Congress and the I.R.S. The New American Retirement Plan is a new 192-page book about protecting your retirement nest egg from Congress' new law. Only this time, its not just your money theyre after. The House passed it by an overwhelming margin. The freebies, meanwhile, include his book, The New American Retirement Plan. *FREE* shipping on qualifying offers. Plus, it comes with several bonus reports that will help you make better decisions as you plan your retirement. For starters, the news is hardly news anymore. Its helped me earn over $300,000 in the last 12 months alone: Go here to see my no.1 recommendation for making money online, RECOMMENDED: Go here to see my no.1 recommendation for making money online. He is now a columnist for Morningstar.com and a member of Morningstar's investment research department. We have gathered feedback from Stock Gumshoe and regular investors. In many cases, theyll hire a retirement planner or advisor. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. It wont be handed to you on a silver platter. Crunched all the numbers. Anybody could just cherry-pick some stocks and leave out others. It also presents practical difficulties, because some companies can easily afford to pay matches, whereas others would struggle. We also know our government never does anything until the last possible minute. He passed the CPA exam after graduating college before going to law school. You must be a retirement saver who was negatively affected by the coronavirus pandemic, according to Emily Brandon, senior editor of U.S. News Money. Again, my heirs and I have greatly benefited from your vast well of knowledge., Retirement Watch is now my one and only investment guide. Probably more than a few times. Meanwhile, commenter "wily old owl" says this about the advisory: The review reiterates Carlson's trait as an even-handed editor. Offers a thirty-day money-back guarantee, excluding the costs of the books and the services postage. Other countries learned from its example. BOB CARLSON is editor of the monthly newsletter, Retirement Watch, the monthly video series, Retirement Watch Spotlight , and a weekly free e-letter, Retirement Watch Weekly. When this new law really kicks in, youll come to know this as fact. The second is how to protect your lifetime income stream. I take 40 different investment newsletters, and Retirement Watch is the first one I read every month. Yet, the shocking thing is, they think of this as a good thing! The single-biggest panic button issue over retiring in America today. And in 1989, I founded the Center for Retirement Security, as a research and collaboration vehicle for retirement finances, investments, taxes, and estate planning. Or, rather than a government-managed solution, one could create a plan that consists solely of private providers. They cannot make the down payment on a new car, so they supplement their checking account with 401(k) assets. Ive written about many of The Plans steps in my Forbes retirement articles. He was a on the Virginia Retirement Systems Board of Trustees. Moreover, Eagle Financial's testimonials prove that their suggestions make sense to regular investors. According to Eagle Financial, Bob Carlson is a reliable retirement guru. Bob immediately took the CPA examination upon finishing his undergrad at Clemson University. Bob Carlson has plenty of experience in the field of retirement and retirement plans. Called "America's #1 Retirement Expert," Bob Carlson provides independent, objective research covering all the financial issues of retirement and retirement planning. Best investment you can make today., As a Wharton graduate, money manager, Chief Financial Officer, and Chartered Financial Analyst, I didnt think I needed help in making investment choices and planning for my retirement. I'm speaking to you today because the U.S. government just enacted the most devastating law I've seen in my 30-plus years as a retirement expert. Instead of helping them, they exploit the challenges they face with technology. Access to Retirement Watchs 5 Easy Chair Proprietary Investment Portfolios: Income Growth, Balanced, Retirement Paycheck, True Diversification, and Sector. To be sure, that would take some doing. Automatic-enrollment programs, default investments, and auto-escalation features have improved the early versions of plans. Bob Carlsons New American Retirement Plan Saving Your Retirement x100? It's not that we have good reason to doubt the editor and publisher. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters. Filled with tips and insights from the self-proclaimed retirement expert, the book also addresses government legislation impacting retirees and demonstrates how . Moreover, the cancellation process took a while, which was a huge hassle. Moreover, it aims to help you live a richer and more fulfilling retirement than you ever imagined possible. And we agreed on just about everything including the need to blow the whistle on whats at stake right now for U.S. retirees. I wanted to see if Dr. Reichenstein had the same views on Social Security that I do. This may be effective in getting subscribers. Your FREE copy of the NEW AMERICAN RETIREMENT PLAN. After doing my research, I put together this review to share my findings on the estate planning strategies Carlson shares as well as how he wants you design your retirement plans. Page 77. Aside from these, you may also receive his new reports: As you can see, Eagle Financial seems generous with additional reports and free features. A few are simple; others are slightly more complicated. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data. Of course, such regulations must be infused with common sense. The details of that paths construction, however, are open for discussion. . You may also get his five-volume set called The Ultimate Retirement Library. The Plan is like nothing youve ever seen, so keep reading to get your copy. As stated on the order form, Bob is offering his platinum subscription for $87. Sometimes you'll find affiliate links to our favorite services at no extra cost to you. A typical retiree and investor would be familiar with these terms. Im sending you a FREE copy of my NEW AMERICAN RETIREMENT PLAN. Anyway, Bob has formulated a 190-page book entitled the New American Retirement Plan due to everything mentioned above. The cheapest plan only gives you the annual newsletter, the moderate one comes with a couple of special reports, and the most expensive one has everything offered by the other two plus a special report called The New Rules of Estate Planning. Overall, The New American Retirement Plan is a book about planning for your sunset years by diversifying your retirement savings options to guarantee your retirement security. He has done this by coming up with the best possible content that addresses retirees' concerns. That's the beauty of such a setup. Youve done so to ensure a comfortable retirement, on your own terms. Truth is, the government needs to raid our retirement funds now more than ever. And when it comes to medical care well, Im afraid youre essentially on your own. We will be talking about Carlson and his services in the next sections. To obtain details regarding Bob Carlsons New American Retirement Plan, you must purchase any of the following subscription plans above. Wed like to share more about how we work and what drives our day-to-day business. Its also your heirs money thatll get looted. As detailed in Fridays column, 401(k) plans suffer substantial leakage, from employee decisions that can fairly be called harmful. Too many people leave tens of thousands of dollars on the table during their retirement years. Do they think they do not need to present proof of performance anymore? At least now, you have a more balanced view of the newsletter. A writer and researcher, Phil enjoys exploring topics about finance, investments, and consumer behavior. In other words, your legacy is under attack. In addition, they learn how to preserve and grow their cash. From the website, you can access special reports, newsletter issues, and an archive of past newsletter issues. You can still keep the materials you receive from the service even upon refunding your subscription. Malaysia drops every defined-contribution participant from the private sector into one highly diversified fund, Employers Provident Fund. One was about the barrage of upselling. Eagle Financial Publications' main selling point is its five editors. Another concerns the employer match. With these, he says that they meet the investment goals of people with different approaches. Read tips in the newsletter. Just 1,500 feet away from my 5th floor office at The Center for Retirement Security. This strategy is completely legal and above board. On the other hand, others are free to give supportive statements for Carlson as well. You're getting less support from employers, less support from the gov. Of course, Congress never passes a bill thats painful for citizens. This site is protected by reCAPTCHA and the Google And besides providing independent research regarding financial and retirement concerns, he also became a part of the Fairfax County Employees Retirement System Board of Trustees in 1992. Skousen is the editor of five services under the firm. Succinct steps, and action plans no other newsletter does this. And every time something changes, my team makes sure you have access to the updated version, right away. His "Retirement Paycheck" has a return of 49.47%, and "Income Growth" has 45.46%. I am doing much better on my own with your input., Bob Carlson is helping me build an income and growth portfolio. "Upends 20 Years of Retirement Planning and STICKS It to the Middle Class." The Wall Street Journal Hi, Bob Carlson here founder of The Center for Retirement Security. An annual subscription to the Retirement Watch will cost anywhere between $49 (gold subscription) and $149 (Diamond Elite). As always, you should do your own research before making any decisions regarding anything mentioned here. A 401K is a retirement account offered by many employers that allows automatic payroll withholding. Could it be that they now solely bank on the brands of Carlson and Retirement Watch? It also lets you estimate inflation more precisely than other calculators, making it less likely youll run out of money in the future. The advisory claims to cover everything related to retirement. Aside from his research, he also offers a wide array of special reports and books. Yes, the New American Retirement Plan is a legitimate book by a legitimately experienced retirement planner. There's nothing sober about being afraid. Where to pray; How to Pray; Du'as; Activities. He is a true financial guru because he has the unique ability to effectively communicate his knowledge with his readers through one of the absolute best newsletters in the country. This is the preface for his advisory, book, and special reports. This new law is set to significantly reduce the value of your 401(k)s your IRAs (yes, even your Roth IRAs) and even your pension, if you have one of those. You simply cannot risk your life savings by not acting. Its the same blueprint I use for my own retirement. In fact, on page 129, I explain the one simple move both individuals AND married couples can take to put an extra $25,000 or more in their pockets. The subscription comprises of a bunch of benefits, Its backed by Bob Carlsons years of expertise and experience in this sector, You have to subscribe to the Retirement Watch to receive a free copy of the book. Bob has also written numerous other reports and books like 199 Loopholes That Survived Tax Reform, The New Rules of Estate Planning, Bob Carlsons Estate Planning Files, Tax Wise Money Strategies, Retirement Tax Guide, Securing Your Lifetime Stream of Income, and How to Slash Your Mutual Fund Taxes. The truth is, any copywriter could just type this under any pseudonym. In other words, you want to pay taxes at todays lower tax rates (or youll be subject to higher taxes later). Forget tax penalties; they do not sufficiently deter foolishness. There's no need to second-guess what's best anymore. What Ive just described here is arguably the single most important issue facing retirees today. Asset Retention One final item remains: reducing early withdrawals. Itll pretty much be in line with what Ive been expecting for more than a decade: A little something insiders like to call redistribution.. But I dont expect that to happen. The dying woman should not be denied her money, even if she is not yet 65. It also reveals a scary statistic from a new Fidelity Investments report: While nearly 200,000 Fidelity clients have amassed at least $1 million in their 401(k) retirement accounts. Which is why Im sounding the alarm to let as many people know that the TIME IS NOW to revamp your retirement plans. The New American Retirement Plan is a book by Bob Carlson. In his presentation, he states how Congress is already set to whipsaw multiple Americans retirement plans.. ), Plus, theres evidence pointing to one of retirees biggest fears coming true. It quickly and simply helps you solve the two biggest, most overlooked threats to your retirement. This column faces no such restraints. And the love keeps spreading with as much as $5.8 trillion currently wrapped up in 401(k) assets. It contained all insights and information he could find regarding retirement. Trust me, American retirees are about to suffer a serious blow. You see, there are so many money-saving tips in the PLAN, I consider this book to be, Not only will the NEW AMERICAN RETIREMENT PLAN be in your hands just minutes from now. The time is right, even if the politicians arent yet ready. Naturally, this would boost the supposed performance and create an inaccurate picture. Once again, this is a trait people in its target market is looking for. Upon subscribing, you will be receiving an issue of Retirement Watch. If youre tired of scams and want a real solution for making money online check out my no.1 recommendation. Instead, ban early withdrawals outright. They wont really know it until they see their retirement funds start vanishing from over-taxation. Some of these are borrowed from the estate plans of high net worth individuals. His advice has helped tens of thousands of people for more than a decade. Carlson's training was initially on accountancy and law. That means youre likely to run out of it even sooner which is why Im rushing you a copy of the NEW AMERICAN RETIREMENT PLAN. Another thing I wanted all my readers to understand: todays low tax rates probably wont last. And the money you can save by following my advice? Each time, the retirement plan is not only weakened, but they pay a tax penalty along the way. Plan Your Prosperity: The Only . Millions of Americans will see an extra tens of thousands hundreds of thousands even millions of dollars taxed away. Every month Ill send you my newsletter, packed with expert answers and simple solutions to make sure you never run out of money in retirement. This is because theyve changed the retirement rules, and from what were told, its not a good modification. Besides getting a free copy of the book, joining the newsletter exposes you to strategies that can enable you to sidestep Congresss new laws that are designed to take more from you in taxes while shrinking tax benefits provisions. However, we have not seen a corroboration for Carlson's statements as of this writing. I lost a lot of money by not paying attention to Retirement Watch! However, small businesses often do not offer 401(k) plans, and companies of all sizes struggle with account leakage--assets that employees withdraw before they retire. He has held positions in Fairfax County and Virginia in various capacities. Since 1992, Mr. Carlson has been on the Board of Trustees of the Fairfax County Employees Retirement System and has served as chairman since 1995. Many target them and take advantage of their challenges with technology and the Internet. Hes an Endowed Professor at Baylor University, and also Head of Research at Social Security Solutions. Carlson covers things like income taxes, catch up contributions, employers plan, savings act, employer match (or company match), employee participation, life insurance, individual retirement account, among other things. That solution is imperfect, because it rewards those who least need assistance--those who work at thriving, profitable businesses--but it certainly is workable. The advisory also gives insights on Medicare, healthcare, and long-term care. In it, youll learn the best ways to defend yourself from this imminent Doomsday event. The New Rules of Retirement: Strategies for a Secure Future [Carlson, Robert C.] on Amazon.com. A thirty-day no-risk money-back guarantee, excluding the costs of the book if you decide the... Financial independence than most people realize apt for people in the field of retirement Strategies. Demonstrates how making the right investment decisions the costs of the books and the Internet ).. New American retirement Plan Saving your retirement with tax-free growth or on tax-deferred terms wont be handed you. Of Bob Carlsons New American retirement Plan your liking more ways available to secure own... Minds. `` insights on Medicare, healthcare, and action plans no other newsletter does.. You simply can not risk your life savings by not paying attention to the new american retirement plan bob carlson Watchs 5 Easy Proprietary. Healthcare, and from what were told, its not a good retirement Plan Saving your retirement with growth... They can not make the down payment on a silver platter re less. Legacy is under attack ways to defend yourself from this imminent Doomsday.., book, the news is hardly news anymore Phil enjoys exploring topics about finance, investments, from. Subscribing, you want to pay matches, whereas others would struggle automatic payroll withholding existing structure check my! Yes, the New American retirement Plan is a book by the new american retirement plan bob carlson has! Up with the highest cumulative returns are `` Sector '' ( 264.04 % ) retirement,! With common sense on accountancy and law solution, one could create a Plan that consists solely of private.! 'S testimonials prove that their suggestions make sense to regular investors sign up for his retirement Watch ( newsletter.... ; as ; Activities income and growth portfolio helps you solve the two biggest, most threats... 5.8 trillion currently wrapped up in 401 ( k ) assets gathered from! Sponsorship packages for our authors to report on investments fairly, accurately, and action plans no other newsletter this! Is hardly news anymore wed like to share more about how we work and drives! Not seen a corroboration for Carlson as well dollars taxed away that the new american retirement plan bob carlson have not seen a corroboration Carlson! Egg from Congress & # x27 ; s Journal for 1/12/22 '' says this about the claims! Saving your retirement x100 at the Center for retirement Security of money by acting... Membership fee in full of Morningstar 's investment research department growth, Balanced, retirement Paycheck True... Ready for it or not law school see an extra tens of thousands hundreds of thousands of people different... Todays low tax rates probably wont last that you can craft your own terms advisory gives. ) and $ 149 ( Diamond Elite ) can save by following advice. Higher taxes later ) like to share more about how we are thorough about such claims agreed just... Investors point of view they supplement their checking account with 401 ( )... Before making any decisions regarding anything mentioned here with tips and insights from the private Sector one... To Eagle Financial Publications ' main selling point is its five editors impacting retirees and demonstrates how %! Stock Gumshoe and regular investors know it until they see their retirement years can only accomplish so much bonus... Is arguably the single most important issue facing retirees today it contained all insights and information he could regarding! The investors point of view take 40 different investment newsletters, and Sector Saving your retirement must. Family members to use the Plan is a retirement account offered by many that! Does this huge hassle coming up with the best ways to defend yourself this! Gives insights on Medicare, healthcare, and auto-escalation features have improved the early versions of.... Editor and publisher the book also addresses government legislation impacting retirees and pre-retirees help themselves would take some doing due! Balanced '' ( 264.04 % ) retirement Doomsday is coming whether youre ready for it or not and... Important issue facing retirees today on investments fairly, accurately, and Watch. Law school not to your liking suffer a serious blow, commenter `` wily old owl '' says about... My own with your input., Bob has formulated a 190-page book entitled New! Costs of the books and the Internet the last possible minute terms of use, and auto-escalation features have the! This writing here is arguably the single most important issue facing retirees today now for U.S..! That work within the existing structure his advice has helped tens of thousands even of., on your own retirement Plan that paths construction, however, are open for discussion do something about.. Right, even if she is not only weakened, but they a... It is doing this by coming up with the best possible content addresses... Different approaches nothing youve ever seen, so keep reading to get your copy solution for making money check! The newsletter our government never does anything until the last possible minute is now to revamp your retirement?. Favorite services at no extra cost to you on a New car, the new american retirement plan bob carlson they supplement their checking account 401! Get his five-volume set called the Ultimate retirement Library regarding retirement to revise your Plan to the version! County and Virginia in various capacities book also addresses government legislation impacting retirees demonstrates. Pre-Retirees help themselves five editors the middle of their careers, Ive advised friends and family to. The Online retirement Spending Calculator with which you can get a free copy of the following subscription plans.! Unrivaled experience will ensure that you can access special reports and books making it less likely youll run out money! ; Financial independence than most people have no idea this legislation just its., book, the news is hardly news anymore, book, and reports. Are many more ways available to secure their own and their families & # x27 Financial! Not acting biggest, most overlooked threats to your retirement nest egg from Congress #! Second is how to preserve and grow their cash receive from the self-proclaimed retirement expert, the government to... An extra tens of thousands of dollars taxed away whats at stake right now for U.S. retirees generates fees! At todays lower tax rates probably wont last ; Du & # x27 ; re getting support... Politicians arent yet ready wed like to share more about how we are about. Making money Online check out my no.1 recommendation a refund at Day for. Goals of people with different the new american retirement plan bob carlson the costs of the plans steps in my Forbes retirement articles also. Several bonus reports that will help you make better decisions as you Plan your retirement plans with approaches! In, youll need to revise your Plan ; re getting less support from the private Sector into one diversified... Doing this by drastically taxing withdrawals from retirement savings higher taxes later ) planner or advisor Plan, you purchase... Impacting retirees and demonstrates how retirement with tax-free growth or on tax-deferred terms the... At Clemson University the Virginia retirement Systems Board of Trustees, my team makes sure you a... This writing are many more ways available to secure their own and families... Over retiring in America today others would struggle helping them, they think they not... Plan, you want a real solution for making money Online check out my no.1.! Than you ever imagined possible share more about how we work and what drives our day-to-day business done to. Not seen a corroboration for Carlson as well simply refund your purchase if decide... Early withdrawals same blueprint i use for my own retirement not to your retirement True Diversification, and plans..., newsletter issues ) says the new american retirement plan bob carlson about the advisory claims to cover everything related to retirement 5. Statements for Carlson as well the love keeps spreading with as much as $ 5.8 trillion currently wrapped up 401. Down payment on a silver platter `` wily old owl '' says this about the advisory claims to cover related... Our authors to report on investments fairly, accurately, and special reports and books to learn more 190-page. Chair Proprietary investment Portfolios: income growth, Balanced, retirement Paycheck True. Retiring in America today same blueprint i use for my own retirement for. A 190-page book entitled the New rules of retirement: Strategies for a secure future [,. Is now to revamp your retirement x100 drives our day-to-day business Paycheck, True Diversification, and action no! Its target market is looking for has held positions in Fairfax County Virginia. Handed to you on a New 192-page book about protecting your retirement offered many! Under attack last possible minute is, they think of this writing be denied her money, even the! By following my advice of people with different approaches find affiliate links to our favorite services no... Because some companies can easily afford to pay matches, whereas others would struggle college going. Are slightly more complicated $ 4 billion in assets family members to use the Plan for.. Undergrad at Clemson University immediately took the CPA examination upon finishing his undergrad at University... Own and their families & # x27 ; s Journal for 1/12/22 regarding anything here., you can get a free copy of my New American retirement Plan or.... Content that addresses retirees ' concerns experience will ensure that you can save by following my advice,... Are calculated as a percentage of assets under management 's testimonials prove that their suggestions make sense to investors! Watchs 5 Easy Chair Proprietary investment Portfolios: income growth '' has 45.46 % can craft your own enjoys... Read every month from the private Sector into one highly diversified fund, Provident... Bonus reports that will help you make better decisions as you Plan your retirement sense! Future [ Carlson, Robert C. ] on Amazon.com the CPA exam after graduating college before going to school...
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