For those investors who still feel like they've been punished by the market in recent years, one advisor has found the carrot to lure them back.

Daniel Moskowitz, president of Chatham Wealth Management in Chatham, N.J., has seen plenty of clients who are still scared of the stock market. But he and his colleagues have used a reassuring message: A balanced portfolio combining short-duration bonds and blue chip stocks with high dividends is "the safest way for them to meet their income needs."

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