We place a high emphasis on liquidity. Our philosophy is that it’s your money and you should always be able to access it. For that reason, we avoid investment products with surrender penalties or extended lock-up periods. Generally, securities we recommend can be sold during market hours and the proceeds will be available within days. It should be noted, however, that the mutual funds we use are generally designed to be long-term investments and, as such, those funds may charge a short-term redemption fee for securities held less than 90 days.