Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Dowling Legacy & Retirement and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual financial professional prior to implementation. Insurance products and services are offered through Dowling Legacy & Retirement, Dowling Consulting Services, Inc are not affiliated with or endorsed by the Social Security Administration or any other government agency. Dowling Legacy & Retirement and Karen Prescia Dowling do not provide tax and/or legal advice, but will work with your attorney or independent tax or legal advisor. In the event that you do not have your own attorney or tax professional we can refer you to a few local attorneys to provide legal services as well as local CPA firms to provide tax services. This content is for informational purposes only and should not be used to make any financial decisions. Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited.