This website is solely for informational purposes and not a solicitation to invest any insurance product. The information provided in this website is provided for general information and educational purposes only. BRS Consulting, Inc., provides commissionable insurance and annuity products. BRS Consulting des not provides accounting, legal, or tax advice. Consult with an accountant or lawyer for tax-related advice or legal needs. To the extent any material or information on this website concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his, her, or its individual circumstances. None of the information presented or services rendered should be considered legal, tax, investment, or accounting advice. If you require the services of an attorney or CPA, seek independent advice for an attorney or CPA and verify his/her legal, tax, and/or accounting experience and competence to provide you fact-specific advice suitable to your particular needs and objectives. Should you have any questions regarding BRS Consulting, Inc., please contact David A. Sims at dsims@brsconsulting.com or (877) 588-3217.