The product is for the express use of the purchaser or if purchasing the product for someone, that persons use.  Sharing the product PDF with others, for their use also, is prohibited and will be considered a copyright violation.  

Because of possible unanticipated changes to governing statutes and case law relating to the application of any information contained in this eBook, the author and any other persons involved with its distribution disclaim all responsibility for the legal effects or consequences of any action taken in reliance upon information contained in this eBook.  No representations, either express or implied, are made or given regarding the legal consequences of the use of any information contained herein.  Purchasers or persons intending to use this book for the preparation of any legal forms are advised to check specifically on the current applicable laws in any jurisdiction in which they do business.

We guarantee the system to work.  If for some reason – that is beyond our control or yours, this program won’t work for you please let us know within 30 days, stating the reason why it will not work and we will issue a refund, please use our Contact form to send us a message.  NOTE: In order for us to issue a refund, the reason must be a valid reason or an IRS imposed restriction (nothing like ‘I am not interested in using the material’). 

 © Stephen Heller, CFP®, EA, Inc.  All rights reserved.  This publication may not be reproduced in whole or in part by any means, without prior written consent of the author.