Being an independent fee-only financial planner and investment advisor helps to ensure that I do not have to go through a lengthy approval process with a centralized compliance department prior to posting an addition to my blog.  (It also means that I'm not required to peddle the latest "hot", commission-generating product that a sales director foists on me, and I won't win any trips to Bermuda for unloading double top secret annuitized income bazookas on unsuspecting seniors, but I digress.)

Regardless, the lack of a bureaucratic compliance department does not imply the lack of a need for compliance.  So this is for the lawyers:  this site is for educational and informational purposes only.  In no way should any content be construed as personalized tax, investment, or financial advice. Readers of this blog and website should consult with a qualified adviser to obtain advice suited to their personal circumstances.