Hi Everyone,

Several readers wrote me and asked me very specific investment questions. I cannot answer this here for the following reasons:

• Not knowing the full situation, I might give you incorrect advice
• There are regulatory laws that prohibit me from giving you certain advice without you actually being a client of my financial planning firm.

I will try to have some broad investment subject covered, but I can’t tell you to buy 100 shares of XYZ stock.

Cheers,

Patrick