As the partial shutdown of the federal government drags on, financial advisers are getting an increasing number of calls from civil servants trying to figure out how to get along without a paycheck. "For some of those early on in their career, the shutdown is causing problems and rocking the boat financially for them," said Neal Thompson, president of Thompson Wealth Management. "I shy away from having them tap their Thrift Savings Plan, but if they have no emergency funds saved, they are getting nervous."

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