The Web sites of MEG Financial companies are in no way to be construed as an offer for the sale of securities, insurance products or retirement plans in unauthorized states or countries of MEG Financial companies.

Tax & Legal Disclosure
MEG Financial and its representatives do not give tax or legal advice. This presentation is provided for informational purposes only and should not be construed as tax or legal advice. Clients and other interested parties must consult with and rely solely upon their own independent advisors regarding their particular situation and the concepts presented here.

Discussions of the various planning strategies and issues are based on our understanding of the applicable federal income, gist, and state tax laws in effect at the time of this presentation. However, tax laws are subject to interpretation and change, and there is no guarantee that the relevant tax authorities will accept MEG’s interpretations. Additionally, this material does not consider the impact of applicable state laws upon clients and prospects.

Although care is taken in preparing this material and presenting it accurately, MEG disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.

Calculators
Financial calculators and/or calculation tables included on MEG Financial life insurance companies web site are for illustration purposes only and should not be the sole source for financial planning decisions. Contact your tax advisor or financial advisor before making any changes to your financial plan.

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MEG Financial life insurance companies web site may provide links to outside Web sites that are not affiliated in any way with MEG Financial. Because MEG Financial does not review or control the content of these sites, MEG Financial is not responsible or liable for the content or accuracy of these external Web sites.

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By using MEG Financial companies Web site, you agree that MEG Financial shall not be liable or responsible, directly or indirectly, for any damage or loss alleged to be caused by or in connection with the use of this site.

Indemnification
We reserve the right to make changes to MEG Financial life insurance companies web site and our legal disclaimers. We encourage you to review the Web site and these disclaimers periodically for any updates or changes. Your continued access or use of this site shall be deemed your acceptance of these disclaimers and any subsequent changes.