CERTIFIED FINANCIAL PLANNER®, an Accredited Investment Fiduciary® and Founding Principal of The Independent Financial Group, a fee-only registered investment advisor in 21st year with clients in California, New York, Colorado, and Florida. IFG does not sell financial products or accept any third-party compensation or incentives. Content of this blog is the opinion of the author and should not be regarded as investment advice. You may contact Jim through the IFG website, www.indfin.com or by calling 805.265.5416, Ext. 1.