Attaching one's thoughts to a reference point even though there may be no logical reley. Multiple Choice 1 pointThe first two steps in the financial planning process are: Identify and select goals and develop and present recommendations.Gather client data and analyze client data.Identify and select goals and monitor client's current plan.Gather client data and identify and select goals.31245Multiple Choice 1 pointWhich of the following will have the most positive impact on the credit score of th6 Hardy applied for 5 store credit cards last month when making home impro