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The common elements shared by all programs that utilize counseling as part of their treatment strategy is that they view delinquency from __________.
Individual-based Plans
Retirement or savings plans that are established by individuals to save for retirement, distinct from employer-sponsored plans.
Retirement Plan Distributions
Payments made from a retirement plan, which may include pensions, 401(k)s, or IRA distributions, and can be taxable or tax-free, depending on the plan.
Coverdell Education Savings Account
A tax-advantaged savings account in the United States designed to encourage saving for future education expenses.
CESA Contribution
Funds put into a Coverdell Education Savings Account (CESA) to finance a beneficiary's educational expenses.
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