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FREE REPORT from Dennis Volz

7 Things you need to know BEFORE you

The delivery of TAX-FREE By far and without
LIFE INSURANCE exception, a life insurance
proceeds is one of the claim is the most sobering
most powerful social and and rewarding aspect of my
profession as an insurance
economic forces in our
country. What a shame
Sobering in that it reminds
that so many people don’t me of the brevity of this
understand or appreciate life and the certainty that it
its value. will end for all of us…
As you carefully read this Rewarding because it’s an
free report from opportunity for me to deliver: A stay-at-home mother to
SmarterInsurance.org, you’ll children and the promise of a quality education for them,
be better able to make wise a paid-for house and a debt-free existence to the family,
and forward-thinking or a comfortable retirement for a weary widow.
decisions regarding your
LIFE INSURNCE. It’s ONLY with the incredible power of LIFE
INSURANCE that these are possible.
When it comes time for you to consider this valuable
cornerstone to your financial plan, you’ll want to make some very informed and calculated decisions.

Let me walk you thru some of them to help you make the ones that are best for you.

If you’ve read any of our other reports, you’ll know that even though insurance has been part of our culture for
over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people
think they’re being “ripped off” by the Insurance Industry; aka “The Club”

I want to end that for you.

I'm an industry "insider": A licensed member of “The Club”
I’ve been inside the insurance business for over 25 years and I know it like the back of my hand: From
policy to claims and back again.
I've sold insurance.
I've studied it.
I've discovered what makes "good insurance" -- and what makes "bad insurance".

I know that not all insurance is "created equal".

Let’s take a quick trip with your imagination.

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No, I’m not some wacko who thinks the aliens are on their way, just go with me for a minute…

Picture yourself gone. Yes, I mean GONE, gone! Kind of morbid, I know. So if it makes it
easier, go ahead and picture your exit as some grand, heroic or adventurous one. Maybe you
went out skydiving or chasing wild horses in Wyoming. Or possibly you saved some kids from
drowning when a school bus plunged into the lake. Either way… you’re gone.
Now -- Just ask yourself a few of simple questions.
1. Are there some bills left to pay? Funeral? Credit cards? Maybe a car? Or possibly a
gambling tab out at Viejas Casino?
2. Is someone going to suffer without your income?
3. Is there anything to which you’d like to leave a legacy? Possibly you’d like to start a
scholarship fund for some special group or just kids who need it. Maybe you’d like to have
a small part of funding Meals-on-Wheels or grant some wishes come true through Make A
Wish Foundation. Or maybe you’d like to leave something for your church. The
possibilities are really endless.
If you answered yes or will be answering yes to any of those in your future, then LIFE
INSURANCE is something you
should seriously consider. LIFE INSURANCE IS USUALLY THE LEAST
Unless you really enjoy
figuring all this out for “How is that possible?” you ask.
yourself, a good,
experienced agent is your Life insurance dollars come to your beneficiaries
ticket to some solid, costing just pennies on the dollar.
professional advice.
Dollars you earn and have put into savings, on the
I’ve got the experience and I’ll offer other hand, cost MORE THAN A DOLLAR for every
that to you for FREE. (More on me dollar you receive. You work; you get taxes taken out
of your pay. Every dollar you spend really costs you
I think I know what you’re about $1.27 to get after you’ve paid the tax man.
thinking about this point.
You’re thinking of all the hassle Life insurance, on the other hand, is ALWAYS
it is to decide what kind and how delivered for just a fraction of a dollar!
much and then complete the
application and then to get the physical (often you DON’T need one) and then on and on
and on…

I know how you can quickly get past all that…

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In reality, it only takes about an hour. You can just skim this report to get an overview
of what you need to be thinking about and then if you’d like…
I’ll likely take about 10 minutes of your time on the phone to see where you’re at and
then, if you’re ready, we’ll set a time to get together. It’s really pretty simple and I’LL

After all… It’s what I do.

So let’s just hop right into it….

7 Things you need to know BEFORE you buy LIFE


Life Insurance Need-to-Know #1

Don’t buy it unless you need it
The truth is that nearly everybody could probably use a little Life Insurance. Remember the questions we asked
above? If you answered yes to any of those or you’d just like to make your exit a little easier on those who are
left to sort out the pieces and arrange your funeral and wake, you’re probably a good candidate for at least a
little policy.
If you buy the right kind of policy, you’ll build up cash values within the policy and in many cases you’ll build
more than the premiums you’ve paid. So if you’re thinking you might need some life insurance, go ahead and
get a small policy that builds cash for you and you’ll be on your way.

Sometimes, people just don’t need or want any life insurance. You might be single with no debt and sufficient
money in the bank to take care of ALL of your final expenses such as funeral cost, paying off all your debt,
enough money to pay for the disposal of all
your personal property, etc, etc. If you are,
and you just don’t want any life insurance
and think that you’ll never need it, then OPTION
don’t buy it. Protect your insurability

If you think you might need it in the future A life insurance policy option that may be purchased
you might want to get a small, cash value at inception that allows the insured to purchase
policy with a GUARANTEED additional amounts of life insurance without taking a
INSURABILITY OPTION. physical examination or having to provide evidence
See the yellow box to the right  of insurability. Generally, the provision requires the
insured to increase the amount of insurance at a
stated time (i.e., specified policy anniversary dates,
upon marriage, or the birth of a child).
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Life Insurance Need-to-Know #2
If you’re going to buy it, buy the right amount
We could make this portion of this report very lengthy, but I’ll give you a couple of simple options.

First is just the REPLACE MY INCOME estimate. Use the one-step chart below and there’s your answer.

Table 1-Income Replacement

Years Until You Retire
Income 10 15 20 25 30 40 60
$10,000 $92,000 $132,000 $168,000 $201,000 $231,000 $283,000 $361,000
$20,000 $184,000 $263,000 $336,000 $402,000 $461,000 $565,000 $722,000
$30,000 $276,000 $395,000 $504,000 $602,000 $692,000 $848,000 $1,083,000
$40,000 $368,000 $527,000 $672,000 $803,000 $923,000 $1,130,000 $1,444,000
$50,000 $460,000 $659,000 $840,000 $1,004,000 $1,154,000 $1,413,000 $1,805,000
$60,000 $552,000 $790,000 $1,007,000 $1,205,000 $1,384,000 $1,696,000 $2,166,000
$70,000 $643,000 $922,000 $1,175,000 $1,406,000 $1,615,000 $1,978,000 $2,527,000
$80,000 $735,000 $1,054,000 $1,343,000 $1,606,000 $1,846,000 $2,261,000 $2,888,000
$90,000 $827,000 $1,185,000 $1,511,000 $1,807,000 $2,076,000 $2,544,000 $3,249,000
$100,000 $919,000 $1,317,000 $1,679,000 $2,008,000 $2,307,000 $2,826,000 $3,610,000
$110,000 $1,011,000 $1,449,000 $1,847,000 $2,209,000 $2,538,000 $3,109,000 $3,971,000
$120,000 $1,103,000 $1,581,000 $2,015,000 $2,410,000 $2,768,000 $3,391,000 $4,332,000
$130,000 $1,195,000 $1,712,000 $2,183,000 $2,610,000 $2,999,000 $3,674,000 $4,693,000
$140,000 $1,287,000 $1,844,000 $2,351,000 $2,811,000 $3,230,000 $3,957,000 $5,054,000
$150,000 $1,379,000 $1,976,000 $2,519,000 $3,012,000 $3,461,000 $4,239,000 $5,415,000
First Column: Annual income to be replaced. Top Row: Years of replacement income required. Table Body:
Lump sum life insurance required. Assumptions: Annual inflation rate assumed to be 4.0%; Annual investment
return assumed to be 6.0%.

It’s just as easy to buy too much life insurance as it is to buy too little. You want to be sure you have the right
amount of coverage.

You should also consider life insurance on your spouse or any other person on whose income you depend to
make ends meet each month.

If you’re married with children you should also consider if there additional expenses should you and your
spouse die at the same time or within a short time of each other. For example, you might want to provide
additional monthly income to whomever you have designated to finish raising your children for you.

This short form on the next page can enable you to get a little more specific if you’d like
to. It might give you’re a better idea of how much you’ll need.

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As you fill in the amounts, keep in mind the people that will be dealing with these issues.
Do what’s best for them and you’ll be on the right track.
1. Would you like to pay off your mortgage or have money available to
pay the rent? If so, either enter the mortgage amount or your Annual
Rent Cost x the Number of Years You’d like to Provide.

$ __________________________ You may also want to complete

2. How much do you want available to pay off any other debts like this calculator for your spouse
credit card balances, car loans, student loans, personal loans, etc.? to see if they have a need for
$ __________________________ life insurance.
3. How much of your annual income will your family need each year
after your death? (Remember if you paid off the house above or
provided rent money, you won’t need to include that in their annual

$ __________________________
4. How much do you want to set aside to pay your funeral costs?
Can I give you a little hint?
If you’re married, let your
$ __________________________
5. How much do you want to set aside for any other needs such as an
spouse decide how much
emergency fund, gifts to charity, or a family member with special life insurance to get on
YOUR life -- And vice-
$ __________________________ versa. Whoever will be
6. How much do you want to provide for your children's education if
you die? around to fix the problems
should get to decide how
$ __________________________
much $$ will be available.
7. TOTAL NEEDS: (add 1-6 above) $ ____________________

A. How much life insurance (individual and group) do you have now?

$ __________________________

B. What other assets (such as savings accounts, CDs, mutual funds,

stocks, bonds, 401k, retirement plans, or pension plans) would you
If this is all
want your family to use to meet these needs? just more
than you’d
$ __________________________ like to mess
C. TOTAL RESOURCES: (add A & B above) yourself, just
give us a call and we’ll walk you
$ __________________________ thru the whole process.
It only takes about 5
TOTAL Need for LIFE INSURANCE: (Subtract Line C from Line 7)
$ __________________________ 619-670-1000

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Life Insurance Need-to-Know #3
If you need it, then buy it,
Face it! Odds are you’re going to live and your
family WON’T need this policy.
So buy the kind of life insurance where you get
some or all of your money BACK when you’re Probably one of the best analogies I’ve heard and
older. have used for most of my 25+ years as an agent is
this: Cash Value (aka: Permanent, Whole Life,
“Cash Value” or “Permanent” life insurance Universal) life insurance is like owning a house. Term
policies are tremendously powerful financial life insurance is like renting.
instruments. BUT…they’re designed for
insurance that you’ll need to keep for all of your When you own a house, initially you will pay a little
life. more each month than you would if you were renting.
Yet, in the long run, with the appreciation of the value of
You’ll probably want a little permanent life your home, you’ll likely make more money than it costs
insurance in your plan because you will you to live there. Your monthly house payments are
SURELY make a claim on it someday. really contributing toward your own wealth. It’s like
Hopefully it will be when you’re VERY old and mailing money ahead to YOURSELF!
your need for life insurance is at a minimum:
Just enough to pay off a few bills and cover your When you rent, you pay less each month but you’re not
funeral expenses. building any equity or cash value and when you leave,
you just leave all that rent money sitting in the landlords
Realistically, TERM insurance is usually a better bank account. Your monthly rent ends up contributing to
choice for those needs you may have now, but your landlord’s wealth instead of your own.
will not have forever.

If you’re currently one of the bread-winners in your household and there are people depending on your income
for everything from food to tuition, then you probably need a pretty big chunk of life insurance – For NOW at
least. You likely won’t need that much for the long term. THAT’S where TERM insurance is likely your best
So here’s a couple of help questions
Get some permanent insurance for the long haul; maybe for you:
$25,000 - $100,000. Usually you won’t need more than that. 1. Do I want some life
Get TERM INSURANCE for the temporary times in your life insurance in force when I
that you need more. Then DROP IT! No loss. die? (probably yes)
2. What’s my best guess of
And here’s the real rub! TERM insurance is usually only when that will be? (let’s say
renewable to a certain age and even then it gets VERY you guess 78)
expensive. When you’re 70 or so (and your income is less 3. How much do I want in place
because you’ve retired) your term insurance could be too at that time?
expensive to keep and you may still want or need some life Whatever your answer is for
insurance. With permanent insurance, there’s usually enough question 3, THAT’S how much
cash value there so that you can just QUIT PAYING and be permanent insurance you should
insured for life. have. Consider term insurance to
fill the rest of your needs.

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Life Insurance Need-to-Know #4
Once you buy it – KEEP IT until your reason for buying it no longer

Too many times I’ve seen people buy life insurance: Either term or permanent and then, for some reason, let it
drop. Usually it’s for one of a couple of reasons.
1. They initially got in a little over their heads with too big of a monthly premium and it’s finally caught up
to them.
2. They didn’t buy for the right reasons.

Make a commitment when you get your life insurance to make it comfortable on your budget so you can keep it
with no financial pressure. And commit to keep it until the reasons for purchase no longer exist.

For example, if one of your reasons is to ensure that your kids complete college, and then keep it until they’ve
all walked across that stage and received their diploma. (Or at least until you’ve made that last tuition payment.)

If you don’t buy this way, you’ll just be wasting your money if you keep the
policy for several months and then quit.

Here in the Dennis Volz Agency, we want you to be

comfortable with your insurance.
We’ll explain your LIFE INSURANCE options in simple,
everyday language that you can understand.
We strive to personalize every insurance policy to be
sure you have exactly what you need and want.

Life Insurance Need-to-Know #5

Let Uncle Sam help you pay your premiums
When you purchase permanent life insurance, the money accumulates tax-
deferred. You end up saving even more because the accumulation is tax
favored. This could make you think that even the Federal Government
thinks that life insurance is a good idea!

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Life Insurance Need-to-Know #6
Don’t touch the Nest Egg
Money that you contribute to you permanent life insurance can build a significant amount of cash over time.
This money is available to you. Let me encourage you that as those numbers start to grow, LEAVE IT ALONE!

Here’s a good rule of thumb to govern your dipping into the nest egg.



No, a year-end sale on a Corvette doesn’t count as a PHENOMENAL OPPORTUNITY! Nice try ! 

Life Insurance Need-to-Know #7

Review, review, review… But only once a year or so
Every year that you’re living with either too much insurance, the wrong kind of insurance or not enough, you’re
probably wasting some money.

A simple review that can take as little as 10-15 minutes over the phone with your agent can prevent this.
Sometimes changes in your life can be so much and so harried that you don’t even realize when things affect
your needs for life insurance. An agent who’s willing to spend the time required with you and asking the right
questions can uncover these changes and often save you hundreds of dollars in the process.

What about my GROUP insurance at work?

Group insurance is probably the LEAST EXPENSIVE of all life insurance policies. Sometimes it’s even
FREE! (Well, paid for by your employer anyway) My advice is TAKE IT! But don’t depend on it. Count it as
just a little extra, but in addition,
Have your own plan that YOU CONTROL.
Group insurance can come and go. The company can “change the deal.” You could change jobs and be with
out coverage for a time. Maybe the new job doesn’t offer group life insurance.

I’ve seen people become uninsurable for health reasons, change jobs and then they’re unable to replace their
group insurance. Keep your life insurance under your control not your employer’s or other circumstances
beyond your control.

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Life Insurance & your RETIREMENT
Permanent insurance should NEVER be a substitute for a good retirement plan. Any agent that tells you to
dump hundreds of dollars a month into a permanent life insurance plan to fund your retirement before you’ve
established a good, regular investment program outside of life insurance for your retirement should be

The permanent portion of your life insurance does give you flexibility in your retirement years. You can keep
the insurance, sometimes stop paying the premiums (and continue to be insured), draw on some of the cash
value if you need to and a host of other options. But life insurance should never be your main vehicle to
retirement planning.

A word about beneficiaries…

The beneficiary is the person who receives the proceeds of a life insurance policy at the death of the insured.
Carefully structure and word your beneficiary clause. You can cause big problems if you’re thinking one thing
and actually say something else in the beneficiary section of the policy.

Carefully discuss this with your agent. Something as simple as a Per Stirpes clause can save a lot of confusion.

When you get your life insurance through our office, we’ll walk you through these questions to be sure that the
money goes to EXACTLY the places you want
it to go.
So how do I know just how much I can
afford to spend on my life insurance?
Life Insurance on kids
Getting a small policy on kids is usually a Well we have some suggestions for that for you too.
great idea. While kids generally don’t need The trick is to know how much you’re spending and
insurance for financial reasons it does a where you’re spending it. You can’t know that unless
couple of things for them. you have a written budget.
It’s really the most important key to effective money
First it protects their insurability. Kids can management.

sometimes develop physical problems that We have some help for you there too. Making a
budget isn’t as difficult as you might think. We’ve
make them uninsurable. Doesn’t happen very actually broken it down to 7 simple steps that anyone
often, but it’s probably a good idea to get can follow.
them a nominal permanent policy. If you’ve been frustrated with your money get your
Second, it locks in a nice low monthly FREE REPORT:
premium for them. Life insurance rates on
kids are phenomenal. The monthly premium 7 SIM PL E STE PS
on just a small $25,000 policy on a 30 year Mak e a bud ge t an d ST ICK T O
old is nearly DOUBLE what it is on a 2 year IT !
old. And that premium is good for life!
just give me a call or drop me an email
You’ll always want to get what’s called a Dennis Volz 619-670-1000
GUARANTEED INSURABILITY OPTION. Dennis@DennisVolz.com or go to
(Look back to the yellow insert box on page www.6701000.com and to the

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Other Things - There’s dozens of other things we could go on and on about like:
1. Is it ultimately cheaper to pay
annually or monthly? 2 BIG REASONS
2. How can I be sure that my life
insurance company is safe? TO BUY INSURANCE WHEN YOU”RE YOUNG
(even before you may really need it…)
3. What are ‘Banded Premiums”
1. Life insurance is cheaper when you’re younger. On the
and how can they save me
permanent portion of your insurance plan, the longer you put your
4. What about Accidental Death and money to work for you, the better the result!
Dismemberment Riders? Should 2. When you’re young, you’re insurable. When you’re older; maybe
I have one? you’re not. We’re all just one doctor visit away from NOT being
5. Should I own my own policy or able to buy life insurance. If you’re diagnosed with even a minor
should my spouse? ailment the cost of your life insurance can go up dramatically and
6. Can I buy insurance on my in some cases, you won’t be able to buy it at all.
business partner?
7. Is the Non-Tobacco rate really THAT MUCH BETTER?
8. What’s the difference between dividends and cash value?
9. What’s a “contestable clause” and how could it hurt me if I don’t understand it?
10. What are PAID UP ADDITIONS and how can they increase my insurance coverage?

We could really fill a book.

That’s why you really need a committed agent to do all this thinking with you.
After all… You probably have better things to do.

Let me and my team apply for that job !

Insurance is a very technical business:
Policies, beneficiary statements, coverages, endorsements, exclusions.
I know how this industry works.
I know its flaws, its strengths and its secrets that many in “The Club” would prefer you
not know.
You need someone who's going to navigate those complexities
with you.
Use an agent because you want good price and you want
protection when disaster strikes.
You deserve it!
The best news here is that I'll help you – for FREE !
Why? Why would I spend my time revealing what's taken me
years to learn -- at no charge?
I'll tell you why.
I've built my business on my reputation. I find that the more I
give away, the more comes back to me.
I never hard sell insurance. I'm in the service business. And the better service I give,
the better it is for all of us.
My clients stay with me a long time -- and they refer their friends.

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I’ve been in business in San Diego County for over 25 years. My team is trained,
licensed and eager to help you get on the road to Smarter Insurance.
So if you want to protect yourself and your family from a future crisis or catastrophe . . .
or just see how you can save money on your insurance, call my office.
The worst you'll do is to spend a few minutes learning.

And just like the TV commercials tell you….

BUT WAIT ! ! ! ! THERE’S MORE!!!!!!!!

When it comes to buying life insurance, you should always deal with a LARGE, WELL-
KNOWN, REPUTABLE INSURANCE COMPANY. One easy rule is that if you haven’t heard of
them, be suspect. I guarantee you’ve heard of ours – we’ve been at it for over 75 years!
Today we have over 7 million life and annuity policies in force. Since 1929 we have been
protecting American families one policy at a time. Just go www.DennisVolz.com .

WOW! Kind of impressive!

I think so.

And it’s ALL included at no additional premium...


We offer NATIONWIDE AND 24 HOUR CUSTOMER SERVICE. That’s right -- Doesn’t matter if
it’s a claim or a question. You simply call my office number, 619-670-1000 and you’ll have
access to our 24 Hour Customer Response Team and/or to my personal cell phone.

Should you need insurance help while away from home, we have over 1000 claim offices and
over 16,000 agent offices across the United States and Canada all committed to giving you

friendly, efficient home-town service (even if you’re from California ! )

BUT WAIT ! ! ! ! THERE’S MORE!!!!!!
We also offer free 24 hour online access to your policy information. Our company website
offers you more insurance information than your brain can possibly hold. It’s all available
with just the click of your mouse, 24/7/365.

You know what? There’s still more…just a little…

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We’re a friendly, local office with a licensed, trained team to assist you in every phase of your
insurance. We’ve been in business here in San Diego County for over 25 years.
Whenever you call us during regular business hours, there’s NO ELECTRONIC TELEPHONE
MENU to navigate -- Just a friendly voice on the phone ready to help you. (if you call after hours,
there is a single-choice menu where you simply choose to leave a voicemail or to speak to a real, LIVE person)
Go ahead. If it’s during business hours, you’ll get us; after hours and you’ll get the Customer
Response Center. 619-670-1000 !

“WOW”, you say!

“And that’s all included at no additional premium?”

ONE MORE…last one…. I PROMISE…

Face it! Life changes and your needs for insurance change right along with it. We’ll sit down
with you or you can just call us. You should do this AT LEAST ONCE A YEAR. But in our
office, we’re glad to review your coverage ANYTIME YOU’D LIKE – Annually, semi-annually,
monthly, weekly… you ask for it, you’ve got it.
Sometimes it’s done when you change cars or when you move. Sometimes we do a little mini-
review on the phone in 5-10 minutes. Sometimes we sit down with you for an hour or more if
that’s what it takes. It’s all up to you…

This is so simple and easy to do.

We do all the work for you and in usually less than 30 minutes, you’ll have protected
your family, their future financial stability, and your peace of mind!
Why somebody wouldn’t have their LIFE INSURANCE with us is simply beyond me.


In our agency we offer you 5 different ways to pay your premiums. You have your choice of
annual, semi-annual, Quarterly, Monthly and SPECIAL MONTHLY…
“So what’s so special about SPECIAL MONTHLY,” you might ask.
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It’s special cuz it’s just so insanely easy.

We set it up for you and your monthly payment comes right out of your
checking account: Same day; Every month.

So, here’s what you get…

 A FREE, simple process to help you decide if you need any life insurance and, if you do, to
help you get just the right policy for YOUR needs.
 A financially strong, been-around-forever Insurance Company (well, since 1929 anyway…)
 24 hour and nationwide customer service for claims or questions
 Online access to your policy information
 A local office with a trained team to help you (and NO MENUS WHEN YOU CALL)
 A FREE annual (or semi-annual, or monthly, or whenever you want it) REVIEW OF
 Payment options to fit any budget
 We’ll walk you thru the whole process (probably will take less than 30 minutes)
 Confidence that you’re buying the insurance you need: NOTHING MORE, NOTHING

Yep, you guessed it…

All included for no additional premium…

If you’re still not sure let me make it even easier….

Believe it or not, I’ll
That’s right….
As a small thank-you when you purchase your LIFE INSURANCE policy in our agency we’ll give you a
pre-paid gas card.

If you’re still not sure let me make it FUN….

Not only will you feel the relief of having all that protection, get some free gas, AND have someone walk
you thru the whole thing step by step, but I’ll also give you a little bonus for the drive home with a

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FREE Latte from Starbucks…
As another small thank-you when you purchase your LIFE INSURANCE policy in our agency we’ll give
you a pre-paid Starbucks Card on top of EVERYTHING else…

I know…just too good to be true…. BUT IT IS ! ! ! !   

And yep, you guessed it…

It’s all included for no additional premium…

It just doesn’t get any better -

OR EASIER - than that…

You’ve got everything to gain and NOTHING to lose.

I look forward to talking with you soon!


CALL me (619-670-1000),
Dennis Volz FAX me (619-670-1121),
10783 Jamacha Bl, Suite 1
or EMAIL me at…
Spring Valley, CA 91978

This letter contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary.
All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.
ALL RIGHTS RESERVED. Copyright (c) 2006 – SmarterInsurance Inc -- No part of this document may be reproduced in any form,
or by any means, without prior written permission of the copyright owner. LEGAL NOTICES: While attempts have been made to
verify the information provided, SmarterInsurance Inc will not assume any responsibility for errors, inaccuracies, or omissions. Since
this document presents general discussions, always consult a qualified professional regarding your specific tax, legal, financial, and
personal circumstances. (911.21740)

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