The information presented is limited to the dissemination of general information on the topics addressed. The information is believed to be factual and up to date, but we do not guarantee its accuracy and it should not be regarded as individual advice nor a complete analysis of the topic presented. This information is presented solely for illustrative purposes and for the purposes of discussion. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. FinDecSM is the service mark under which FinDec Co., and its subsidiaries, FinDec Wealth Services, Inc., FinDec Benefit Services, Inc., and FinDec Insurance Services do business. For additional information about FinDecSM please visit www.FinDec.com . FinDec Wealth Services, Inc., (FDW) is registered as an SEC registered investment adviser with its principal place of business in the State of California. Registration as an investment adviser does not imply a certain level of skill or training. FDW is in compliance with the current notice filing requirements imposed upon registered investment advisers by those states in which FDW maintains clients. FDW may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. FDW is not engaged in the practice of law or accounting.Insurance services offered through Western Associates, Inc., dba FinDec Insurance Services. California Insurance License 0C24344.