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Greg Daugherty has worked 25+ years as an editor and writer for major publications and websites. He is also the author of two books. Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an experienced ...

CNET staff -- not advertisers, partners or business interests -- determine how we review products and services. If you buy through our links, we may earn a commission. As a certified financial planner ...