PLEASE NOTE: As with any financial and/or legal information, it is important that we issue a disclaimer. As you know, you have ultimate responsibility for all the decisions you will be making over the course of the next 12 weeks and beyond. The Financial Wellness Program is designed to provide accurate and authoritative information in regard to the subject matter covered. It is offered with the understanding that the authors and publisher are not engaged in rendering legal, accounting or other professional service. If legal advice or other expert assistance is required, you should seek the services of a competent professional person or company.

The principles and philosophies that we share are simply guidelines. Since we have participants from all over the country, the advice needs to be weighed and considered in context. If you find it valuable, be sure to tailor it to your individual situation.