IMPORTANT DISCLOSURES: RWW Financial Consulting (RWW) does not provide legal or financial advice. The information presented here is not specific to any individual's personal circumstances. Nothing presented in this site is intended to be specific in investment advice. RWW does not make any guarantee or other promise as to any results that may be obtained from using our content. No one should make any investment decision without first consulting his or her own financial advisor and conducting his or her own research and due diligence. To the maximum extent permitted by law, RWW disclaims any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses. Content contained on or made available through the website is not intended to and does not constitute legal advice or investment advice and no attorney-client relationship is formed. Your use of the information on the website or materials linked from the Web is at your own risk. To the extent that this material 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 another tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.   Note that the parent firm, RWW Investment Advisors, Inc.,  is licensed in Oregon as a registered investment adviser. Prior to doing business in any other jurisdiction, the firm will ensure all licensing requirements or exemptions from licensing are met.