Reader Note

This book is for general educational and informational purposes. It does not provide individualized investment, tax, legal, accounting, insurance, lending, estate-planning, or retirement-plan advice. Laws, limits, plan terms, account rules, products, and professional standards can change. Examples are illustrative and may not reflect the reader’s circumstances. Unless explicitly identified otherwise, names and personal scenarios are fictional or composite illustrations.

Before moving money, changing an account, borrowing, investing, entering an agreement, or creating a tax or legal event, readers should review the controlling documents and consult qualified professionals familiar with their facts.

Education comes before execution.