Due to various factors, including changing market conditions and/or applicable laws, you should not assume that any discussion or information contained on this website serves as the receipt of, or as a substitute for, personalized investment advice from Frank Passmore or Certified Planners Group, LLC. Frank Passmore and Certified Planners Group, LLC are neither a law firm nor a certified public accounting firm and no portion of this content should be construed as legal or accounting advice.