If you asked all of your clients about their No. 1 financial concern, the amount of their retirement savings would likely top the list. The rising cost of health care, paying for college and taxes would also certainly rank high.

But for the vast majority of Americans, another top issue would be job security. After all, job creation remains relatively weak, and the number of people who are unemployed (13.9 million) or under-employed (8.5 million) is frighteningly high. Those new stats don't even include another 2.2 million Americans who wanted and were available for work, but are regarded as "marginally attached" to the labor force because they hadn't looked for a job in the past month.

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