Don't Bet It All On Your Employer

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Remember that it's your responsibility to arrange your investments so that they can survive any financial trouble your employer might suffer. As financial planner Clare Wherley of New Providence, N.J., says, "It's not the company's responsibility to make sure your investments go up."

Sharon Epperson is a correspondent for CNBC Business News. E-mail her at sharon.epperson@nbc.com

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