For Financial Professional Use Only. Not intended for use with the General Public. This material does not constitute tax, legal or accounting advice and neither Concierge Insurance Group, Volente Insurance Partners, its affiliated carriers, The Leaders Group, Inc., TLG Advisors, Inc., nor any of its agents, employees or registered representatives or investment advisor representatives are in the business of offering such advice. It was not intended or written for use and cannot be used by any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Comments on taxation are based on an understanding of current tax law, which is subject to change. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisors, to include tax and legal specialists.