We are an independent financial services firm that helps individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investment Advisory Services offered through PCB Capital, LLC. Insurance Products offered through its affiliate, PCB Financial Advisory Group, LLC. We are not affiliated with the Social Security Administration, Medicare, or any other governmental agency.The contents of this book are provided for informational purposes only and are not intended to serve as the basis for any financial decisions. We do not offer tax, legal, or estate planning advice and any information presented on these topics is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding the applicability of this information to your unique situation. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A financial advisor should be consulted before implementing any of the strategies presented. 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. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. I want to dedicate this book to my best friend, my wife Laurie, and our two girls, Sienna and Skylar — my inspiration to reach great heights.