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Christine Benz

Christine Benz is Morningstar's director of personal finance and author of 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances and the Morningstar Guide to Mutual Funds: 5-Star Strategies for Success. Follow Christine on Twitter: @christine_benz.

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Morningstar's Christine Benz says graduates should start off with a good budget, balance loan repayment with investing, embrace risk capacity and stay diverse.

Estate-planning expert Deborah Jacobs shares her guidelines for determining whether a trust is right for you.