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In this series, Tips from the Pros, Money taps the collective wisdom of expert financial planners.

Asked for his best piece of financial advice, Jeffrey Golden of Circle Advisers says it's important to be patient and disciplined. Don't make major money-related decisions in a hurry or at a time of great emotional stress, such as when the stock market tanks or soon after a loved one has died. Wait until you have thought through the consequences and have had a chance to breathe. Be patient and take time to think through the impact of your decisions.

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