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Certain portions of Retirement Plan Consultants, Inc (RPC) web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to RPC’s(and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from RPC, or from any other investment professional. Retirement Plan Consultants, Inc is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to RPC’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from RPC or from any other investment professional.

All articles, links or additional items are provided for informational purposes only and were not created by Retirement Plan Consultants, Inc. or LPL Financial. Before implementing any strategy discussed herein, you should consult with your own financial, tax, and/or legal advisors to determine its applicability in light of your own situation. Neither Retirement Plan Consultants, Inc., LPL Financial nor their representatives or agents are permitted to give legal or tax advice. Any discussion of taxes is for general informational purposes only. Such discussion does not purport to be complete or to cover every situation. You should seek advice based on your particular circumstances from an independent tax advisor. Most insurance policies and annuity contracts contain exclusions, limitations, reductions of benefits, surrender charges and terms for keeping them in force. Your representative can provide you with costs and complete details.

You may download or print out a hard copy of individual pages and/or sections of the RPC website, and files made available for download, provided that you do not remove any logos or other proprietary notices. Any downloading or otherwise copying from the RPC website will not transfer title to any software or material to you. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose the RPC website without the prior written permission of RPC. Although this website may provide general information about the potential impact of taxes on various investment scenarios and planning, it should be made clear that LPL Financial Consultants do not render either legal or tax advice. Please consult a legal or tax professional for any specific advice. Business Continuity Plan for LPL Financial is available at lplfinancial.lpl.com.