Bob Veres lists the top 10 fears financial advisers face heading into 2013. Lack of investor confidence, another global financial crisis and high levels of government debt top his list, but he also is concerned that advisers "will focus on all the negatives, and spend their time on all the things to worry about and forget that the positives vastly outnumber the negatives." PFP/PFS members have free access to Bob Veres' Inside Information newsletter service, a $349 value -- free with membership.

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