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Some plans allow you to keep your 401(k) plan even after you leave, but don’t consider this a long-term solution. The risk is you “set it and forget it,” says Rianka Dorsainvil, a certified financial planner in Lanham, Md.

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Rianka Dorsainvil of Your Greatest Contribution encourages millennial investors to question financial advisors as to whether they're acting as fiduciaries.

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