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Important Notice

This web site is designed to provided general, not specific information about financial planning related topics. Nothing in these pages shall be construed as the offering or dissemination of specific financial, retirement, estate, insurance, asset protection, tax, or legal advice. If you require specific advice in these areas, please consult an attorney, qualified tax professional or Certified Financial Planner licensee in your geographic area. I do not offer or make any recommendations with regard to any type of regulated securities or the value of investing in regulated securities on line unless you are my client and a written client agreement has been executed. Furthermore, nothing in my entire Web site including articles contained in the newsletter and newsletter archive shall be construed as an offer to sell or a solicitation to buy regulated securities, insurance or any other products. You are not my client and, nothing contained in this web site shall be implied or construed as creating a planner-client relationship between us by virtue of your access to any information contained herein.

With regard to Internet links: at certain places in this web site, live hyperlinks to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, and/or otherwise posted by institutions, organizations or individuals that are totally independent. As a Certified Financial Planner licensee, neither I nor my firm endorse, approve, certify, or control these external Internet addresses and do not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness or correct sequencing of information contained at such addresses. Use of any information obtained from such addresses is entirely voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by me or my firm.

Terry Welsh is currently licensed to practice as a Certified Financial Planner® Certificant in the United States and as an Investment Adviser Representative in the States of Alaska and Washington through The Planner's Network (TPN), a Registered Investment Adviser. Mr. Welsh also offers securities as a Registered Principal through NATIONAL PLANNING CORP.(NPC), (known as NPC of America in Florida & New York State), Member FINRA & SIPC.

Duncan Frazier currently is licensed as an Investment Adviser Representative of The Planner's Network (TPN) in the states of Alaska and Washington. Mr. Frazier also offers securities as a Registered Representative throughNATIONAL PLANNING CORP.(NPC), (known as NPC of America in Florida and New York state), Member FINRA & SIPC.

Alaska Financial Associates, Inc., Anacortes Financial Associates (AFA), The Planner's Network, Quotestream and NPC are completely separate and unrelated companies. Registered Representatives of NPC may transact business in a particular state only if first registered, or excluded or exempted from Broker-Dealer agent requirements. In addition, follow-up coversations or meetings with individuals in a particular state that involve either the effecting or attempting to effect transactions in securities will not be made absent compliance with State Broker-Dealer, agent registration requirements or an applicable exemption or exclusion.