The materials included in this World Wide Web site are furnished as general information only; they may or may not reflect the most current legal, tax, or financial developments. These materials are not intended as a substitute for obtaining specific financial, tax, or legal advice from qualified financial/tax professional or an attorney. Your review or use of this information does not establish an advisor/consultant-client relationship between you and Pension Evaluators® at Troyan, Inc. or any of our individual employees. Hiring a financial advisor is an important decision and should not be based solely on advertisements. Before you decide, ask us to send you written information about our qualifications and experience.

You are welcome to send us electronic mail. However, please be aware that, if you are not a client of our firm, your electronic mail will not be treated as privileged or confidential and may be disclosed to other individuals. Therefore, you should not send us confidential information until you have established an advisor-client relationship with us. Electronic mail on the Internet is not secure. Even if you are a client, you should avoid sending us sensitive, confidential information in unencrypted messages.

This web site is not intended to be advertising. Pension Evaluators® at Troyan, Inc. does not wish to represent any individual or entity desiring representation based upon the viewing of any information contained in this web site in any state in which this web site does not comply with all laws and ethics rules of that state.

Any links to other web sites are provided as a convenience to users of this site and are not intended as a referral to, or endorsement of, those sites. The links are maintained by their respective organizations, which are solely responsible for their content.

For any additional information about our firm, please contact our office. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Pension Evaluators® at Troyan, Inc.

This publication is designed to provide general information in regard to the subject matter covered and prior articles published may be time sensitive and may not apply to any specific retirement plan or your particular circumstances. The information contained in this website is with the understanding that Pension Evaluators® at Troyan, Inc. is not engaged in rendering legal service or advice. None of the general information should be acted upon without first determining its application to your specific case situation and consulting an attorney or mediator in your area.