This Blog / Web Site is presented by the author or publisher for informative purposes only and also to give you basic information and a general understanding of plan benefits, not to give specific legal or tax advice. By making use of this blog site you understand that there is no client relationship in between you and the Blog/Web Site publisher. The Blog/Web Site shouldn’t be used as a alternative for competent legal advice or tax advice from a licensed professional attorney or Certified Public Accountant in your area.