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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Franklin Retirement Services. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual agent prior to implementation. This content is for informational purposes only and should not be used to make any financial, legal, or tax decisions. You should always consult an attorney or tax professional regarding your specific legal or tax situation. Insurance and annuities offered through Mark Lombardo, CT Insurance license #2308032.