Financial planners' "to-do" lists are as individual as their fingerprints. If you're like me, your "to-do" list grows longer each day. That means you have more to do and not enough time to do it.

To accommodate those new "to-do" items you must constantly evaluate how you are using your time. A "to-do" list alone will not enable you to effectively manage your time. You also must keep a "stop-doing" list.

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