PDF page-do not delete or publish

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Access to this website is provided by Fiduciary Pension Partners, (“Fiduciary Pension Partners” or the “Firm”) for informational purposes only and comes without any warranties, express or implied, with regard to the accuracy, completeness or timeliness of any content contained herein or contained on any third party website linked to from this website.

All investment advisory services are offered through Fiduciary Pension Partners, a registered investment adviser that maintains a principal office in the State of New Jersey. Investing involves risk and past performance may not be indicative of future results. Any reference to or use of the terms “registered investment adviser” or “registered,” does not imply that Fiduciary Pension Partners or any person associated with the Firm has achieved a certain level of skill or training. Fiduciary Pension Partners and its representatives are in compliance with the current registration and notice filing requirements imposed upon investment advisers by those states in which the Firm maintains clients. Fiduciary Pension Partners may only transact business in those states in which it is registered, notice filed, or qualifies for an exemption or exclusion from such requirements. Fiduciary Pension Partner's website is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. No portion of any statement is to be construed as an offer or solicitation to buy or sell a security, or the provision of personalized investment, tax or legal advice. Any subsequent, direct communication by Fiduciary Pension Partners with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For additional information about Fiduciary Pension Partners, please consult the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov, which contains the most recent versions of the Firm’s Form ADV disclosure documents.

These materials have been independently produced by Fiduciary Pension Partners, Fiduciary Pension Partners is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (Schwab). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. Fiduciary Pension Partners provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.