[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=”1_2,1_2″ custom_padding_last_edited=”on|phone” padding_left_right_link_1=”true” padding_left_right_link_2=”true” padding_left_right_link_3=”true” admin_label=”Row” _builder_version=”3.25″ custom_padding=”35px|30px|16px||false|false” custom_padding_tablet=”|||30px” custom_padding_phone=”|20px||20px||true” global_colors_info=”{}”][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”3_4″ _builder_version=”3.25″ custom_padding=”|10px||10px” custom_padding_tablet=”||40px” custom_padding_phone=”||30px” custom_padding_last_edited=”on|tablet” custom_css_main_element=”width: 30% !important;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”https:\/\/www.progeriaresearch.org\/wp-content\/uploads\/2022\/02\/Legacy-Combined.pdf” button_text=”Legacy Society Brochure” button_alignment=”center” admin_label=”LS BUTTON” _builder_version=”4.14.5″ _module_preset=”default” background_layout=”dark” custom_margin=”0px||||false|false” global_colors_info=”{}”][\/et_pb_button][et_pb_image src=”https:\/\/www.progeriaresearch.org\/wp-content\/uploads\/2022\/02\/john-and-zoeycut-out-1-200×300.png” title_text=”john and zoeycut out” align=”center” align_tablet=”center” align_phone=”” align_last_edited=”on|desktop” _builder_version=”4.14.5″ custom_margin=”||1px|-8px||” animation_style=”fade” global_colors_info=”{}”]<\/p>\n
[\/et_pb_image][et_pb_text _builder_version=”4.14.5″ text_font=”||||||||” text_font_size=”11px” custom_padding=”|20px||” global_colors_info=”{}”]<\/p>\n
Legacy Society member John Marozzi, [\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”3_4″ _builder_version=”3.25″ custom_padding=”|10px||10px” custom_padding_tablet=”||40px” custom_padding_phone=”||30px” custom_padding_last_edited=”on|desktop” custom_css_main_element=”width: 60% !important;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.14.5″ custom_margin=”||30px|||” global_colors_info=”{}”]<\/p>\n Now you can\u00a0<\/span>make an even greater impact\u00a0<\/span><\/em><\/strong>by including PRF in your will, or naming PRF as a beneficiary of your retirement plan or insurance policy. The\u00a0<\/span>PRF Legacy Society are forward-thinking\u00a0<\/span>individuals <\/em><\/strong>who are\u00a0<\/span>committed\u00a0<\/span>to\u00a0<\/span>curing children\u00a0<\/span>and young adults with Progeria and to securing\u00a0<\/span>PRF\u2019s\u00a0<\/span>future\u00a0<\/span><\/em><\/strong>by\u00a0<\/span>making\u00a0<\/span>a\u00a0<\/span>planned gift.<\/p>\n Society\u00a0<\/span>membership\u00a0<\/span>allows\u00a0<\/span>you\u00a0<\/span>to fulfill your financial and philanthropic goals, while also supporting\u00a0<\/span>PRF\u2019s\u00a0<\/span>quest to cure Progeria. And because Progeria has a biological connection to heart disease and the aging process, your gift may also impact your family\u00a0 and\u00a0 millions\u00a0 of\u00a0 aging adults.\u00a0<\/span>A true\u00a0<\/span>legacy.<\/em><\/strong><\/p>\n [\/et_pb_text][et_pb_blurb title=”BENEFITS OF HAVING A WILL” admin_label=”Did you know 1″ _builder_version=”4.14.5″ _module_preset=”default” background_color=”#29327A” background_layout=”dark” custom_padding=”15px|15px|15px|15px|false|false” border_radii=”on|20px|20px|20px|20px” border_style_all=”none” global_colors_info=”{}”]<\/p>\n [\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner custom_padding_last_edited=”on|phone” padding_left_right_link_1=”true” padding_left_right_link_2=”true” padding_left_right_link_3=”true” _builder_version=”3.25″ custom_padding=”9px|30px|30px||false|false” custom_padding_tablet=”|||30px” custom_padding_phone=”|40px||40px||true” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”3.25″ custom_padding=”|10px||10px” custom_padding_tablet=”||40px” custom_padding_phone=”||30px” custom_padding_last_edited=”on|tablet” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.14.5″ text_font_size=”18px” background_color=”#00B2E2″ background_layout=”dark” custom_padding=”10px|20px|10px|20px|false|false” custom_padding_tablet=”” custom_padding_phone=”” custom_padding_last_edited=”on|desktop” animation_direction=”right” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”]<\/p>\n There are 3 easy ways you can make a lasting impact for children and young adults with Progeria and still enjoy assets you might need during your lifetime:<\/strong><\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=”1_2,1_2″ custom_padding_last_edited=”on|phone” padding_left_right_link_1=”true” padding_left_right_link_2=”true” _builder_version=”3.25″ custom_padding=”0|0px|0|0px|false|false” custom_padding_tablet=”||0px” custom_padding_phone=”|30px|0px|30px||true” animation_direction=”right” global_colors_info=”{}”][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”3_4″ _builder_version=”3.25″ custom_padding=”|20px||20px” custom_padding_tablet=”” custom_padding_phone=”||30px” custom_padding_last_edited=”on|desktop” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”DESIGNATE PRF A BENEFICIARY IN YOUR WILL” url=”https:\/\/www.progeriaresearch.org\/become-a-champion-for-the-cure\/” _builder_version=”4.14.5″ custom_margin=”||” custom_margin_tablet=”||35px” custom_margin_phone=”||15px|” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n A will is the most popular way to make a future gift.\u00a0<\/p>\n How:<\/strong> Name PRF in a will or trust and designate a stated dollar amount, specific property, shares of stock, percentage of the estate, or share of your remaining estate.<\/p>\n Benefit:<\/strong> Receive an estate tax deduction<\/p>\n [\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”3_4″ _builder_version=”3.25″ custom_padding=”|20px|30px|20px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”DESIGNATE PRF A BENEFICIARY OF YOUR RETIREMENT ASSETS” url=”https:\/\/www.progeriaresearch.org\/planned-giving\/” _builder_version=”4.14.5″ custom_margin=”||” custom_margin_tablet=”||35px” custom_margin_phone=”||15px|” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Did you know that your retirement plan assets may face multiple taxation for your heirs? When thinking about your estate plan and making the right choices for your family, please consider donating all or part of your retirement assets, such as your IRA, 401k, 403b, pension or other tax deferred plan.<\/p>\n How:<\/strong> Name PRF as beneficiary of your 401K or other retirement plan<\/p>\n Benefit:<\/strong> Leaves less highly taxed assets for your beneficiaries<\/p>\n [\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=”4.14.5″ _module_preset=”default” custom_padding=”0px||3px|||” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”DID YOU KNOW\u2026” content_max_width=”829px” admin_label=”Did you know 2″ _builder_version=”4.14.5″ _module_preset=”default” body_text_align=”left” background_color=”#29327A” background_layout=”dark” width=”80%” module_alignment=”center” custom_margin=”0px|30px|0px|30px|false|false” custom_padding=”15px|15px|15px|15px|false|false” border_radii=”on|20px|20px|20px|20px” border_style_all=”none” global_colors_info=”{}”]<\/p>\n Donating retirement plan assets may avoid income and estate taxes. If you\u2019re 70 \u00bd or older, you can make a qualified charitable distribution (QCD) of up to $100,000 per year from your IRA. No income tax is owed on the QCD leading to tax savings. A great way to make a significant gift now!<\/strong><\/p>\n [\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner custom_padding_last_edited=”on|phone” padding_left_right_link_1=”true” padding_left_right_link_2=”true” _builder_version=”3.25″ min_height=”468.9px” custom_padding_tablet=”0px|30px||30px||true” custom_padding_phone=”0px||0px” animation_direction=”right” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”3.25″ custom_padding=”|20px||20px” custom_padding_tablet=”” custom_padding_phone=”||30px” custom_padding_last_edited=”on|desktop” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”DESIGNATE PRF A BENEFICIARY OF YOUR LIFE INSURANCE POLICY” url=”https:\/\/www.progeriaresearch.org\/circle-of-hope\/” content_max_width=”1100px” _builder_version=”4.14.5″ body_font=”||||||||” custom_margin=”||9px|||” global_colors_info=”{}”]<\/p>\n A life insurance policy can allow you to leave a legacy\u2014not just for the people you love but for organizations and causes that are important to you.<\/p>\n How:<\/strong> (1) Name PRF as beneficiary of all or a percentage of your life insurance policy; or (2) Transfer ownership of your current policy \u2013 either paid in full or for which you will continue making premium payments<\/p>\n Benefit:<\/strong> Designating PRF as a beneficiary allows you to make a large gift at little cost. If you transfer the policy to PRF now, you may receive a charitable tax deduction for the present value of the policy and for payment of any future premiums<\/p>\n [\/et_pb_blurb][et_pb_text admin_label=”when designating” _builder_version=”4.14.5″ background_color=”#00B2E2″ background_layout=”dark” custom_margin=”20px||47px|||” custom_padding=”10px|20px|10px|20px|false|false” custom_padding_tablet=”” custom_padding_phone=”” custom_padding_last_edited=”on|desktop” animation_direction=”right” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”]<\/p>\n When designating PRF as beneficiary of your estate, insurance or retirement plan, we recommend including the following identifying language:\u00a0The Progeria Research Foundation, Inc., is a non-profit corporation, organized and existing under the laws of the Commonwealth of Massachusetts with the principal address of P.O. Box 3453, Peabody, Massachusetts, USA 01961<\/i><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.14.5″ _module_preset=”default” custom_margin=”-26px|||||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n For questions about how planned giving supports PRF\u2019s mission, language to include in your will or trust, or to learn more about the benefits of joining the PRF Legacy Society, please review our informative brochure or contact: Audrey Gordon, Esq., Executive Director at 978-535-2594, email\u00a0<\/span>plannedgiving@progeriaresearch.org<\/a><\/p>\n Once you complete your estate plans, or if you have already included PRF in your plans, kindly complete our Legacy Society Commitment Form<\/a>\u00a0so that we can recognize you for your generosity. All information is kept in strictest confidence.<\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=”1_2,1_2″ _builder_version=”4.14.5″ _module_preset=”default” min_height=”97.7px” custom_margin=”-22px|||||” custom_padding=”11px||4px|||” global_colors_info=”{}”][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”3_4″ _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”https:\/\/www.progeriaresearch.org\/wp-content\/uploads\/2022\/02\/Legacy-Combined.pdf” button_text=”Legacy Society Brochure” button_alignment=”center” admin_label=”LS BUTTON” _builder_version=”4.14.5″ _module_preset=”default” background_layout=”dark” custom_margin=”0px||||false|false” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column_inner][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”3_4″ _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”https:\/\/www.progeriaresearch.org\/wp-content\/uploads\/2022\/02\/Commitment-Form-Front-for-website.pdf” button_text=”Legacy Society Commitment Form” button_alignment=”center” admin_label=”Commitment Form” _builder_version=”4.14.5″ background_layout=”dark” custom_margin=”0px||||false|false” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”25%” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n [\/et_pb_button][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=”4.14.5″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”3_4″ _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n If PRF is already in your estate plans, thank you so much! Please let us know, so you can be part of the PRF Legacy Society.<\/strong><\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ module_class=”footer” _builder_version=”4.3.4″ background_color=”#29327a” custom_margin=”25px|||||” custom_padding=”0|0px|0|0px|false|false” z_index_tablet=”500″ border_width_top=”12px” border_color_top=”#00b2e2″ global_module=”133″ global_colors_info=”{}”][et_pb_row column_structure=”1_4,1_4,1_2″ make_equal=”on” module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ width=”89%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop” z_index_tablet=”500″ make_fullwidth=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”3.0.47″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta button_url=”https:\/\/www.progeriaresearch.org\/newsletter-signup\/” button_text=”Sign Up Now” admin_label=”Sign Up for Newsletter” module_class=”sign-btn” _builder_version=”4.9.0″ header_font_size=”25px” background_color=”#29327a” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”25%” header_font_size_tablet=”” header_font_size_phone=”30px” header_font_size_last_edited=”on|desktop” z_index_tablet=”500″ border_radii=”on|25px|25px|25px|25px” global_colors_info=”{}” button_bg_color__hover_enabled=”on” button_bg_color__hover=”#8fd2ed” button_border_color__hover_enabled=”on”]<\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.0.47″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta button_url=”https:\/\/progeriaresearch.donorsupport.co\/-\/XZHJVWZR” button_text=”Donate Now” admin_label=”Together, we will find the cure!” module_class=”sign-btn” _builder_version=”4.9.0″ header_font_size=”25px” background_color=”#29327a” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”25%” header_font_size_tablet=”” header_font_size_phone=”30px” header_font_size_last_edited=”on|desktop” body_font_size_tablet=”” body_font_size_phone=”” body_font_size_last_edited=”on|desktop” z_index_tablet=”500″ border_radii=”on|25px|25px|25px|25px” global_colors_info=”{}” button_bg_color__hover_enabled=”on” button_bg_color__hover=”#8fd2ed” button_border_color__hover_enabled=”on”]<\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.0.47″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.11.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_image src=”https:\/\/www.progeriaresearch.org\/wp-content\/uploads\/2021\/06\/June2021hp4temppsd.png” title_text=”June2021hp4temppsd” _builder_version=”4.9.4″ _module_preset=”default” custom_margin=”35px||||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" [et_pb_section fb_built=”1″ fullwidth=”on” disabled_on=”off|off|off” _builder_version=”3.22″ border_width_bottom=”55px” border_color_bottom=”#29327a” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header _builder_version=”3.22.4″ title_font_size=”55px” background_color=”#29327a” background_image=”https:\/\/www.progeriaresearch.org\/wp-content\/uploads\/2019\/04\/Get-Involved-Header.jpg” background_position=”center_right” custom_padding=”11.5vw||11.5vw||true” custom_padding_tablet=”” custom_padding_phone=”|56px||” custom_padding_last_edited=”on|desktop” title_font_size_tablet=”50px” title_font_size_phone=”40px” title_font_size_last_edited=”on|phone” z_index_tablet=”500″ custom_css_main_element=”background-position: right 18% !important;” global_colors_info=”{}”] Planned Giving [\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ use_custom_gutter=”on” gutter_width=”1″ specialty=”on” padding_left_1=”35px” padding_left_2=”35px” padding_2_tablet=”|||0px” padding_2_phone=”|||0px” padding_2_last_edited=”on|desktop” module_class_1=”sidebar-secondary-nav” module_class=”handprint-bg” _builder_version=”3.22″ background_image=”https:\/\/www.progeriaresearch.org\/wp-content\/uploads\/2019\/04\/blue-handprint-only.png” parallax=”on” parallax_method=”off” inner_width=”100%” inner_max_width=”100%” custom_padding=”0|0px|54px|0px|false|false” z_index_tablet=”500″ border_width_top=”10px” border_color_top=”#8fd2ed” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\t\t\t\t[vc_row][vc_column][vc_custom_heading text=\"Planned Giving\" font_container=\"tag:h1|text_align:center\" use_theme_fonts=\"yes\"][vc_column_text]\r\n Create a Legacy Today and\r\nTogether, We WILL <\/i>Find The Cure!<\/b><\/p>\r\n[\/vc_column_text][\/vc_column][\/vc_row]\t\t","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-867","page","type-page","status-publish","hentry"],"yoast_head":"\n
pictured here with his granddaughter Zoey.<\/strong><\/p>\n\n
Sign Up<\/h2>\n
for Our<\/h2>\n
Newsletter!<\/h2>\n
Together, we<\/h2>\n
WILL<\/em><\/h2>\n
find the cure!<\/h2>\n
Please check back for agenda updates as the <\/strong>meeting gets closer.<\/strong><\/h3>\n
Looking forward to seeing you there!<\/strong><\/h3>\n
Planned Giving: Be a Leader Today by Leaving a Legacy for a Future Cure<\/b><\/h2>\r\nYou can make an even greater impact<\/i><\/b> on PRF\u2019s mission to cure Progeria by including PRF in your will or naming PRF as beneficiary of your retirement plan or insurance policy.\r\n\r\nSupport for finding the cure for Progeria - which has a biological connection to heart disease and the aging process - means your gift may also impact you, your family and the entire aging population.\u00a0<\/i>\r\n\r\nIt\u2019s simple way to make a lasting gift and a leave a true legacy.\u00a0<\/i>\r\n\r\nWhat kind of legacy do we want to leave? One that guarantees that all children with Progeria have every resource necessary. And if Progeria research improves the lives of millions with heart disease, what a gift to us all!<\/i>\u201d\r\n\r\n[caption id=\"\" align=\"alignright\" width=\"230\"]
![\"\"](\"https:\/\/www.progeriaresearch.org\/assets\/images\/donate_images\/Marozzifamily.jpg\")
Leadership by Legacy members Marlene and John Marozzi, pictured here with their 3 grandchildren.[\/caption]\r\n\r\nThe Leadership by Legacy Society<\/strong>\r\n\r\nThose who make a planned gift will be part of our Leadership by Legacy Society, <\/b>consisting of forward-thinking individuals who have demonstrated their commitment to curing children with Progeria and the future of PRF through a planned gift designation. As a Society member, you will receive name listing on our website, in newsletters and in annual reports (unless anonymity is desired) and invitations to special donor events.\r\n\r\nPlanned Gift Options<\/b>\r\n\r\nBequest in Your Will or Trust\r\n<\/i><\/b>How:\u00a0Name PRF in a will or trust and designate a stated dollar amount, specific property, shares of stock, percentage of the estate, or share of your remaining estate\r\n\r\nBenefit: Receive an estate tax deduction\r\n\r\nRetirement Assets\r\n<\/i><\/b>How: Name PRF as beneficiary of your 401K or other retirement plan\r\n\r\nBenefit: Leaves less highly taxed assets for your beneficiaries\r\n\r\nLife Insurance\r\n<\/i><\/b>How: (1) Name PRF as beneficiary of all or a percentage of your life insurance policy; or (2) Transfer ownership of your current policy \u2013 either paid in full or for which you will continue making premium payments\r\n\r\nBenefit: Designating PRF as a beneficiary allows you to make a large gift at little cost. If you transfer the policy to PRF now, you may receive a charitable tax deduction for the present value of the policy and for payment of any future premiums\r\n\r\nWhen designating PRF as beneficiary of your estate, insurance or retirement plan, we recommend including the following identifying language: The Progeria Research Foundation, Inc., is a non-profit corporation, organized and existing under the laws of the Commonwealth of Massachusetts with the principal address of P.O. Box 3453, Peabody, Massachusetts, USA 01961<\/i>\r\n\r\nOnce you complete your estate plans, or if you have already included PRF in your plans, kindly complete our ![](\"https:\/\/www.progeriaresearch.org\/assets\/images\/iconPDF.gif\")
\u00a0Leadership by Legacy Commitment Form<\/b><\/a>\u00a0so that we can recognize you for your generosity. All information is kept in strictest confidence.\r\n\r\nHow Can We Help?<\/b>\r\n\r\nFor any questions about planned giving, language to include in your will or trust, or to learn more about the benefits of joining The Leadership by Legacy Society, please contact Robyn Glazer Milbury, Esq., Planned Giving Officer at 978-535-2594 or plannedgiving@progeriaresearch.org<\/a>\r\n\r\nInformation provided here is intended to help you make thoughtful decisions when considering a planned gift. PRF does not provide tax or legal advice, and we always recommend that you consult with your own legal, tax and\/or financial advisors.\r\n