According to Zwecher, the Investor brings information and the Advisor brings expertise to the table. What does the Investor bring to the table?

Group of answer choices

Plans and Desires

Portfolio Construction

Personal Risks

Broad$-$Spectrum Risk Management

Both A and C

Which of the following are not personal policy risks in retirement?

Group of answer choices

Credit risk$-$ bonds that fail to pay

Inflation

Changes in tax law

Repudiation of sovereign debt