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• If I can help you and it is quick and easy for me, I will.

• If I have to do a lot of work, you will need to be referred to me by a
    non-profit organization

                                        OR

•   Hire a fee only financial planner (see www.napfa.org) to develop
    a full financial plan, and an investment strategy, and for the lowest cost,
    enter your own transactions.

• For answers to specific financial planning questions contact
   www.garrettplanningnetwork.com