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<p>[QUOTE=&quot;Cloudsweeper99, post: 1155312, member: 3011&quot;]I just happen to think it is a highly overrated tool that doesn&#039;t do what many financial planner claim it can do.&nbsp; And that sets up people for investment disappointment if they don&#039;t realize the limitations, and the danger of using it.&nbsp; Few financial planners will explain that to their clients.&nbsp; But if someone understands that and determines that the tool will do the job they require, by all means use it.[/QUOTE]</p><p><br /></p>

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