Can you please summarize this article? I don't understand it.

Rethinking Investment Strategies By Carly Schulaka conomic times are changing. market environment is changing the way and financial professionals advisers are investing are changing with them. Melissa Nassar, a principal with Vanguard's uct recommendations to achieve the best overall gain for their client based on their client's unique situation," says King. "Given the market, it comes as no surprise that advisers are actively rethinking their strat- egy and are more frequently using vehicles Advisers are rethinking asset allocation, withdrawal Financial Advisor Services, says current market conditions will continue to change strategies and even their core investing philosophies, according to the findings of the Financial Planning Association Research Center's 2009 Trends in Investing study, which surveyed nearly 400 FPA members in February 2009. the way advisers invest in the future. Isuspect that client demand and thethat guarantee funds for their client or offer client experience will change," says Nassar. perks that go beyond pure investment "Clients will work with advisers, and advis retun, such as tax efficiency or liquidity ers will work with clients, to create an asset allocation program that is far more Taking a fresh look at asset allocation, advisers are reevaluating the merits of vari ous investment products. Tax efficiency, guarantees, liquidity and diversity are the ETFs Continue to Gain Ground Seventy-two percent of advisers who partici- pated in the 2009 Trends in Investing study indicate they recommend and use ETFs, a 63 percent increase from the 2008 study centered on risk tolerance. The last decade was really about seeking out the best return. I think we are now returning to sta- bility and simplicity objectives behind more advisers looking to "This is a ball market for advice, and advis Among advisers currently using ETFs increase their use of exchange-traded funds, fixed annuities, permanent life insurance products, alternative invest- ments and cash and equivalents. ers are more focused on risk-adjusted returns nearly 54 percent say they plan to increase Returns at any cost are no longer valued. their use over the next 12 months-the Rebecca King, research business devel most significant anticipated increase among opment analyst for the FPA Research the 15 investment products advisers were FPA conducted a similar survey of invest Center, says the results from this years asked about. Forty-one percent expect their ment product usage and asset allocation in early 2008, months before the stock market plunge last fall. Comparing some findings from the two surveys illustrates how the study show a more dramatic change inusage of ETFs will stay the same, and 5 per- investment strategy than in previous years. cent expect to decrease their use of ETFs "In the past we've seen gradual shifts in asset allocation as advisers refine their prod- PLEASE TURN TO PAGE 6