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The www.open-ira.com and ProActiveFinancialPlanning.com websites is for information, education, and entertainment purposes only.  This is not a solicitation or offer to purchase or sell any security.  This information is not intended to be used as the primary basis for investment decisions, nor should it be construed as advice designed to meet the particular needs of an individual investor.  You alone will need to evaluate the merits and risks associated with the educational material provided.  Decisions you make based on information contained in this web site are your sole responsibility.  Mutual funds involve risks and investment returns and principal value will fluctuate so that when shares are redeemed, they may be worth more or less than original cost.  Performance of classes will differ.  Before investing in any mutual fund, be sure to request a mutual fund prospectus from the mutual fund company.  The prospectus contains important information, including information on fees and expenses.  Read it carefully before investing.  Past performance is not a guarantee of future results.  None of the information provided on this web site should be construed as tax advice.   You are advised to consult your own tax professional regarding the tax consequences of your financial planning strategy, IRA strategy, investment activities, and all other tax related issues.  Use of hyperlinks to other internet resources is entirely at your own risk.  The fact that such links may exist does not indicate approval or endorsement of any material contained on any linked site.  The information and opinions obtained from other sources and services are considered to be reliable but we do not guarantee its accuracy. Information from other linked sites is independent of ProActive Financial Planning or any other party affiliated with this website.  In no event shall ProActive Financial Planning or any other party affiliated with this website be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or the use thereof or inability to use by any party, or in connection with any failure of performance, error omission interruption, defect, delay in operation or transmission, computer virus online or system failure, even if ProActive Financial Planning or representatives thereof are advised of the possibility of such damages, losses or expenses. 

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