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All expressions of opinion reflect the judgment of EB Financial Planning at this time and are subject to change without notice. Information has been obtained from sources considered reliable, but we do not guarantee that the material presented is accurate or that it provides a complete description of the securities, markets or developments mentioned.  We may, from time to time, have a position in any securities mentioned. Any information provided is for informational purposes only and does not constitute a recommendation to buy or sell securities.The investment return and principal value of an investment security will fluctuate with market conditions so that when redeemed the value of the investment may be worth more or less than the original cost. Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person’s situation. While we are familiar with the tax provisions of the issues presented herein, as Advisers of EB Planning, we provide information, but not advice, on tax or legal matters. Please consult your tax or legal adviser before implementing any strategies. Strategies shown may not be suitable for all investors. Past performance is not a guarantee of future results. We will not be responsible for the acts, omission, or insolvency of any other company, agent, broker, or independent contractor selected to take any actions for or on behalf of the Client. This site has been published in the United States for residents of the United States. EB Financial Planning, and any of its employees acting as agents, may transact business in a particular state only if first registered, excluded or exempted from registration requirements either individually or as a firm. In addition, follow-up conversations or meetings with individuals in a particular state by either EB Financial Planning or its employees acting as agent to effect transactions in securities or discuss securities, investment planning or other personal investment advice will not be made without first becoming registered, excluded or exempted from registration requirements either individually or as a firm. With passage of the USA PATRIOT Act and SEC approval of the Treasury Department's Customer Identification Rules, we must notify all public and institutional clients of our obligation to verify their identity, requiring photocopies of a driver's license, passport, alien registration card, or obtaining other documents of attestation as to that client's identity. Securities are held through Charles Schwab Corp (Member FINRA/SIPC) 3000 Schwab Way, Westlake TX 76262. Executive Business Financial Planning, LLC (AKA: EB Financial Planning) 44 Moore Ave. Dumont NJ 07628.