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You should consult a financial advisor familiar with the specific circumstances of your unique financial situation before making any financial decisions. Nothing on this website constitutes a solicitation for the sale or purchase of any securities. any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Terry Martine is an investment advisor representative of FRS Investment advisors, LLC, a Florida investment advisory firm. Florida Retirement Services, and FRS Investment Advisors, LLC are not affiliated companies.
 
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Our firm is not permitted to offer tax or legal advice. Please consult with a qualified professional before making any purchasing decisions. Family Retirement Services LLC is not affiliated with the Social Security Administration or any government agency.