Nothing contained herein should be considered investment, insurance, tax, or legal advice. Views expressed concerning specific securities are not an offer to buy or sell. Investment advice and planning services can only be given after an analysis of an individual's situation and only where Holland Advisory Services is registered or exempt from registering. Investment advisory services are offered through Holland Advisory Services, Inc., a registered investment advisory firm. Insurance products are offered through Holland Insurance Services, Inc. Tax return preparation services are offered through Holland Tax & Accounting Services, Inc. Reverse mortgage origination services are offered through Holland Mortgage Services, Inc. (NMLS #1432962), a Florida licensed mortgage broker. Each of these companies is a subsidiary of Holland Financial, Inc. David D. Holland is a licensed loan originator (NMLS #1184596).