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What is your selection process for Mutual Funds and/or ETFs (fixed-income, balanced, or equity)? Describe the extent to which your analysis will extend to the

What is your selection process for Mutual Funds and/or ETFs (fixed-income, balanced, or equity)?

Describe the extent to which your analysis will extend to the underlying holdings of mutual funds and/or ETFs

What criteria (AUM, inception date, expense ratio, number of holdings, manager, etc.) do you use in selecting mutual funds and/or ETFs?

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