The contents of this website are for educational purposes and nothing contained herein should be construed as financial advice. The information provided in this website is not a complete analysis of every material fact for any industry, security, or investment. Opinions expressed are subject to change without notice. Statements of fact cited have been obtained from sources considered reliable. No representation, however, is made as to the completeness or accuracy of any statement or numerical data. This publication may include technical or other inaccuracies or typographical errors. Author assumes no responsibility for errors or omissions in this publication or other documents, which are referenced by or linked to this publication or the related website.

Financial planning requires an in-depth review of all areas of a person’s life and finances in order to provide appropriate advice. Such analysis and review is not possible in a website format but the principles herein are believed to be foundational in nature and are a starting point for gaining knowledge about financial issues. As with everything in life, there is no one right way to approach any issue or problem and what is effective for one person may not be effective for another in a similar situation. There are always pros and cons to any financial strategy, and a strategy which positively impacts one area of a person’s financial life will most likely take away from another.

Readers are encouraged to seek financial advice from competent professionals in the financial planning, investment advisory, legal, and insurance arenas so that the specific details of their situations can be considered as a whole. This website is provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose or non-infringement. In no event shall author be liable for any damages whatsoever, including without limitation, special, incidental, indirect or consequential damages of any kind, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use of information in this website.