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<br /> ADVERTISEMENT<br /> Independence looks<br /> good on you.<br /> PERIODICALS<br /> Independence.<br /> Flexibility. Support.<br /> We value what your clients value.<br /> Individuality. You wear it well. As a leading broker-dealer, Voya Financial Advisors celebrates your<br /> distinctive approach while giving you the backing of a national brand and a strong hybrid RIA platform.<br /> We value independence – it's how we're helping more than 13 million customers plan better for retirement.<br /> And how you can stand out in the crowd.<br /> To learn more about what<br /> Voya Financial Advisors ofers, call us at<br /> 855-698-4900 or visit us at VoyaFA.com<br /> Securities and investment advisory services ofered through Voya Financial Advisors, Inc. (member SIPC).<br /> © 2016 Voya Services Company. All rights reserved. CN1119-19772-1217<br /> March 2016 <a title="March 2016 page 1" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=1"> ADVERTISEMENT </a> <a title="March 2016 page 2" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=2"> Independence. Flexibility. Support. We va</a> <a title="March 2016 page 3" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=3"> March 2016 </a> <a title="March 2016 page 4" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=4"> </a> <a title="March 2016 page 5" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=5"> </a> <a title="March 2016 page 6" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=6"> CONTENTS March 2016 28 40 14 10 INVESTMENT </a> <a title="March 2016 page 7" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=7"> Burned- ophobia: Your clients' fear their life </a> <a title="March 2016 page 8" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=8"> CONTRIBUTORS Raul Arias, who illustrated this</a> <a title="March 2016 page 9" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=9"> DRIVEN TO DELIVER GREAT RESULTS FOR OUR CLIENTS. </a> <a title="March 2016 page 10" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=10"> EDITOR'S LETTER Trust Me Someone s</a> <a title="March 2016 page 11" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=11"> REPORTS From the Front The CFP Premium A</a> <a title="March 2016 page 12" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=12"> REPORTS BLOTTER Maximum Sentence An upstat</a> <a title="March 2016 page 13" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=13"> Allianz Life Insurance Company of North America </a> <a title="March 2016 page 14" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=14"> REPORTS COMINGS & GOINGS Morgan Stanley has p</a> <a title="March 2016 page 15" href="https://secure.viewer.zmags.com/publication/9412a8bc?page=15"> PRACTICE MANAGEMENT Is This the Right Move? 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