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Dante's 7 deadly sins have long been deemed to be the key avenues to eternal damnation. Any element of life afterward is excellent fodder for examination utilizing the 7 sins as background, retirement preparation being no exception. If aspects of your personal financial situation regarding retirement preparation are of perpetual concern, this checklist of common ailments can wind up back on the right track. Pride--You don't admit you need help when retirement preparation becomes more complicated than you originally thought. Men are apt to be worse than girls in this respect, experts say. "All too often, men will not admit to other people in which they lost cash," states Tim McCarthy, president of the Fidelity Investment Advisor Group, and former president and chief operating officer of Charles Schwab Corp. "Women, however, are more inclined to talk about their investment failures in addition to successes. They do not define themselves by how much investment acumen they've." The crystal clear threat to going it alone: Threats that arise can readily lead to irrational decisions. An expert such as a certified financial planner can help to your individual retirement plan. "A person not doing this complete time will be less inclined to spot problem," says Larry Luxenberg, principal of Lexington Avenue Capital Management, New City, N.Y. Good cases of problem spots, he states, are asset allocation and portfolio diversification. "When a amateur gets these wrong," states Luxenberg, "it could spell the difference between a comfortable retirement and a far stalled person - or worse." So swallow your pride in regards to creating a portfolio that is long-term. Envy--"Keeping up with the Jones''' Yes, it's a cliché. Envy also is a deadly sin that may unwittingly thwart your retirement planning. "D.. .