You've got a dirty little secret. During long lunch breaks, or after work when everyone else heads home to their families, you're sneaking out to a secret rendezvous. You know what you're doing is perfectly justified, but you still feel a little bad afterwards. You never thought it would come to this. But here you are-cheating on your financial planner.rnThomas Keating knows that feeling. The 48-year-old lumber broker in Wareham, Mass, -which he lovingly calls the "armpit" of Cape Cod-had been with his previous adviser for about six years, faithfully following his buy-and-hold philosophy. But when his IRA started to "dive bomb" a couple of years ago and his adviser wanted to stay the course, Keating and his wife started soliciting a little advice on the side. "My adviser was a friend, a good guy, and those are awfully hard phone calls to make," says Keating, who has been slowly moving his business to Rajeev Kotyan at the Lexington (Mass.) office of NUA Advisors.
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