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A client in the gifting / distribution phase is characterized by: A . Discretionary cash flow is low and debt to net worth is low.

A client in the gifting

/

distribution phase is characterized by:

.

Discretionary cash flow is low and debt to net worth is low.

.

Discretionary cash flow is high and debt to net worth is high.

.

Discretionary cash flow is high and debt to net worth is is ow

.

.

Discretionary cash flow is low and debt to net worth is high.

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