The information contained here is the opinion of the individual authors based on their personal observation, research, and years of experience. This program and any of its contents shall be used for educational purposes only. Under no circumstance shall any of our materials be used to aid in legal, financial, or tax advice. The publisher and its authors are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice or other professional services. We encourage you to consult with a legal professional such as an attorney, financial adviser, or CPA in the event you need legal, investment, or tax advice. Although, this program is to give you a general idea of things to consider, all legal protections, financial plans, and tax benefits vary for each person. All materials are at your own will. In no event will the Mountaintop Financial Consulting LLC be responsible for any financial losses and/or damages incurred while using our program.