None of the information contained herein is to be construed as legal advice, but merely a review of information that is readily available to the public. All In One Financial Services, Ron J. Miller - Financial Consultant & Tax Accountant, his successors and/or employees are not attorneys and do not give legal advice. This service is not a substitute for legal advice from an attorney. We will do our best to give you useful and accurate information that complies with tax, life, health and annuity regulations. If you want help understanding how the law applies to your particular circumstances, then seek a qualified attorney.