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All calculations are used for comparative purposes to help you gauge the relative productivity of present and alternative plans. The calculations are hypothetical illustrations. They are based upon your assumption that current products, tax and other laws, and annual cash outlays, all of which are subject to change, will continue unchanged for the stated number of years. It is not likely you will achieve the exact results illustrated in any of these calculations, since it is impossible to predict the effect of possible changes of your individual situation. Any interest, dividend or rates of return calculations shown are for purposes of illustration only and are neither guarantees nor estimates of actual performance.
There is a risk of loss for products in the growth area and the illustrations are no assurance of future gains of the security of capital. Inherent in investments are the risks of fluctuating prices and the uncertainty of dividends, rate of return and yield. The illustrations are no assurance of a stable or liberal return. The illustrations are not to be used for cost comparisons and do not reflect interest charges, sales charges, account charges or deductions or other related expenses that may be associated with any product. Such charges or expenses would reduce any actual result.
There is no warranty or guarantee of success. The client accepts full responsibility for his or her own financial decisions and for the consequences of those decisions. There is no legal or tax advice given with the use of this analysis. The client may wish to consult his or her own tax, legal, or other advisor.