FEE-BASED FINANCIAL PLANNING AND INVESTMENT ADVISORY SERVICES ARE OFFERED BY WEALTHKARE.COM, INC. AN INVESTMENT ADVISOR DOMICILED IN PENNSYLVANIA. INSURANCE RELATED CONSULTING, PRODUCTS AND SERVICES ARE OFFERED THROUGH AMERICAN ASSETS FINANCIAL CORP. WEALTHKARE.COM, INC. AND AMERICAN ASSETS FINANCIAL CORP. ARE AFFILIATED COMPANIES. THE USE OF THE TERM “TAX-FREE” IS LIMITED TO THE FEDERAL INCOME TAX TREATMENT OF CERTAIN ASSETS OR PLANNING STRATEGIES. IT DOES NOT INCLUDE EXPOSURES TO STATE, LOCAL, OR SPECIALIZED TAXES. THE IMPACT OF TAXES IS UNIQUE TO THE FINANCIAL SITUATION FOR EACH INDIVIDUAL OR FAMILY AND SHOULD BE CONSIDERED BEFORE ENGAGING IN ANY TRANSACTION. THE PRESENTATION OF ANY CASE STUDY DATA IS BASED ON ASSUMPTIONS FOR A HYPOTHETICAL CLIENT- NOT AN ACTUAL CLIENT OF WEALTHKARE. ILLUSTRATED RESULTS ARE BASED SOLELY ON THAT DATA AND DO NOT PROJECT OR GUARANTEE ANY RESULTS FOR WEALTHKARE CLIENT PLANS. ALL PLANNING ILLUSTRATIONS AND RECOMMENDATIONS WILL BE BASED ON THE UNIQUE SPECIFIC DATA PROVIDED BY EACH WEALTHKARE CLIENT.  THE WEALTHKARE INVESTMENT CENTER AND BRUCE SMITH ARE NOT AFFILIATED WITH OR ENDORSED BY THE SOCIAL SECURITY ADMINISTRATION OR ANY OTHER GOVERNMENT AGENCY. THIS CONTENT IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE USED TO MAKE ANY FINANCIAL DECISIONS. UNAUTHORIZED USE OF THE MATERIAL IS PROHIBITED.