Please Note: Jamie P. Menges, CFP®, CPA is a principal of PDS Planning, Inc, an SEC registered investment adviser. However, the content of this blog represents the opinions of Mr. Menges only, and is separate and independent of his association with PDS. No portion of the blog reflects content published by PDS. All readers must be guided accordingly. Please Remember: Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in this blog, or any non-investment related content made reference to directly or indirectly in this blog, will be profitable, equal any corresponding indicated historical performance level(s), be suitable or applicable for an individual’s portfolio or individual situation, or prove successful.  Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of Mr. Menges’ current opinions or positions.  Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from the investment professional of your choosing.  To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Please Also Note: Mr. Menges does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to this blog or incorporated herein, and takes no responsibility for any such content.