I am not an investment advisor, attorney, or accountant. Anything you are reading from me does not constitute professional investment advice or advice on legal matters. The opinions offered here are not personalized recommendations to buy, sell or hold anything. If you choose to use services recommended, I may receive a commission. However, I am recommending these services because I believe they are of high quality. Again, this is my opinion, I’m sharing this with you as a friend only, and this should not be considered a substitute for legal advice or professional financial advice.