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Fortunately, there are independent financial advisors out there who can make the difference. These advisors are not affiliated with any fund managers (hence, are not commission-driven) and help clients structure a road map that services them. Independent advisors are becoming more important today, especially after the Enron debacle and the recent storm in the financial community. If you are in search of financial advice, first and foremost find out how advisors are compensated. If an advisor is commission-driven, do not write them off, but instead try to make sense of any potential conflicts of interest they may have in advising certain funds over others. Despite the difficult decision-making process required in order to choose the best 529 plan for you, 529 plans represent an unprecedented savings opportunity which should not go unexplored.
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