No liability is assumed for damages resulting from the use of the information contained in this book or correspondence with the author. By no means is the information in this book considered guaranteed and suitable for all individuals, therefore make your own choices and decisions before implementing or utilizing any of the information in the book. The information in this book is based on my personal experiences, observations, and research that can and will be different for others. . The client assumes all responsibility for financial decisions. The client is cautioned to seek professional services only from firms or individuals who are licensed and certified under applicable federal and state laws and regulations. Consult a tax professional, a financial planner, or an investment counselor for further information.

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