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DISCLAIMER: We do not sell any financial products or endorse any financial service providers. Financial Navigation (Coaching) is designed to give you accurate and authoritative information with the regard to the subject matter covered. It is provided with the understanding that the WayPoints Financial Navigator (Coach) is not engaged to render legal, accounting, investment or other licensed professional advice. Since your situation is fact-dependent, if needed, you must additionally seek the services of an appropriately licensed legal, accounting, investment or other professional.