“Financial Planning Articles” is a collection of articles and research that I’ve been reading regarding financial planning, industry trends, career development, and more. *** This installment of Financial Planning Articles starts with two investment-related articles that go against conventional wisdom. The first features Michael Kitces and his findings that increasing equity exposure at retirement, rather than decreasing, is warranted. The second touches on the idea that effectiveness rather than efficiency is sometimes justified with portfolio construction and in many other areas of finance. We then move to three articles centered around Generation Y and Z. The first takes a look at how colleges and soon-to-be graduates are responding to the…