As CFP professionals, we do not provide specific tax, legal or specific investment advice and information on this site should not be considered as such. You should always consult your tax, legal, and investment counsel regarding your personal situation. Separate from the financial plan and our role in wealth management oversight, our subject experts may recommend the purchase of specific investments; the use of certain tax or legal structures; or the purchase of certain insurance products. These recommendations are not part of the financial plan, and you are under no obligation to follow them. Investments or life insurance products contain fees and may have restrictions. Many tax or legal structures have costs associated with setup.