medium · Certified Financial Planner Investment Planning
A client, Ms. Xiang, has a diversified portfolio but lacks an emergency fund and has no disability insurance to protect her human capital. She asks for a recommendation on a new aggressive growth fund.
Which heuristic should the planner apply first?
- Exhaust the Free (H3)
- Gather Before Act (H1)
- Client's Stated Goal Governs (H7)
- Risk Before Return (H6)
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