an important characteristic of a smart financial goal is that the goal\n○ has a specific time frame.\n○ is…

an important characteristic of a smart financial goal is that the goal\n○ has a specific time frame.\n○ is approved by a financial planner.\n○ is the same as for other people in the persons age group.\n○ can be achieved at no cost.
Answer
Brief Explanations:
SMART goals are Specific, Measurable, Achievable, Relevant, and Time - bound. A specific time frame is part of the Time - bound characteristic. Approval by a financial planner is not a core characteristic. Goals don't have to be the same as others in an age group, and no - cost achievement is not a defining feature.
Answer:
has a specific time frame.