This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is offered with the understanding that neither the authors nor the publisher are rendering legal, accounting, financial, or other professional advice or services. If investment advice or other expert assistance is required, the services of a competent professional should be sought.

The information contained herein was obtained from sources considered reliable, but its accuracy cannot be guaranteed. Douglas Goldstein is a Certified Financial Plannerâ„¢ professional, holds the following registrations with FINRA and the SEC in the United States: General Securities Representative Examination (Series 7); General Securities Sales Supervisor Examination (Series 8); Futures Managed Funds Examination (Series 31); Uniform Securities Agent State Law Examination (Series 63); Uniform Investment Adviser Law Examination (Series 65), and is licensed by the Israel Securities Authority as an Investment Advisor. Securities offered through Portfolio Resources Group, Inc., member FINRA, SIPC, MSRB, FSI. The opinions in this book are those of the authors and not necessarily those of Portfolio Resources Group, Inc.

This material does not constitute recommendations as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. For such guidance, a licensed financial advisor should be consulted. Neither the publisher nor authors, nor any of their companies or associates, shall be liable for any loss of profit or any financial or commercial damages, including but not limited to special, incidental, consequential, or other damages. Neither the publisher nor authors, nor any of their companies or associates, has any responsibility for the persistence or accuracy of URLs for external or third-party internet websites referred to in this book, and do not guarantee that any content on such websites is, or will remain, accurate or appropriate.