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We asked five financial advisors to share their most surprising year-end financial-planning or investing tips.

United statesMatthew spradlinMark mumfordPatrick fruzzettiGodfrey spradlinCheryl hollandIndrika arnoldMutual fund distributionsAbacus planning groupCourtesy of abacus planning groupColony groupHoliday legacyAbacus planningRose advisorsDavid beyda studioPrivate wealth advisory