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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Ann Minnium, Principal, Concierge Financial Planning, LLC, and her editorial staff. Material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Links to other sites endorsing a stock should not be construed to be a recommendation of that stock by any member Concierge Financial Planning, LLC. Fee-only financial planning and investment advisory services are offered through Concierge Financial Planning, LLC, a registered investment advisory firm. The presence of this web site on the internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the State of New Jersey, the state in which Concierge Financial Planning, LLC is licensed. (Registered Investment Advisors are legally empowered to provide investment advisory services only to residents of the states in which they are licensed).

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All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner. Certain text, articles and Concierge Financial Planning’s logos: © 2009 Concierge Financial Planning, LLC, Ann Minnium, Principal. Certain text, articles and GPN logos: © 2007 The Garrett Planning Network, Inc., Sheryl Garrett, Principal.