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© 1997 by Katherine Vessenes, JD, CFP. All rights reserved. Protected under the Berne Convention. No part of this book may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of the publisher except in the case of brief quotations embodied in critical articles and reviews. For information, please write: Permissions Department, Bloomberg Press, 731 Lexington Avenue, New York, NY, 10022, or send an e-mail to press@bloomberg.com.

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This publication contains the author’s opinions and is designed to provide accurate and authoritative information. It is sold with the understanding that the author, publisher, and Bloomberg L.P. are not engaged in rendering legal, accounting, investment-planning, or other professional advice. The reader should seek the services of a qualified professional for such advice; the author, publisher, and Bloomberg L.P. cannot be held responsible for any loss incurred as a result of specific investments or recommendations made by the reader.

Vessenes, Katherine

Includes index.

ISBN 1-57660-053-X (alk. paper)

1. Financial planners- Legal status, laws, etc. – United States-Popular works. 2. Financial planners- Malpractice- United States-Popular works. I. Title. II. Series.

KF2921.Z9V473 1997

332.6’068 – dc21 97-25544

CIP

Permissions credits on page 472.