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Copyright © 2017 GFS Financial Advisors, LLC | All Right Reserved. All written content on this site is for information purposes only. Opinions expressed herein are solely those of GFS Financial Advisors, LLC and our editorial staff. 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 adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by GFS Financial Advisors, LLC a Registered Investment Advisor in the State of Pennsylvania. GFS Financial Advisors, LLC and Galade Financial Services Inc. are affiliated companies. Insurance products and services are offered through Galade Financial Services Inc. Precious metals are offered through Galade Financial Services, Inc. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Pennsylvania or where otherwise legally permitted. GFS Financial Advisors, LLC does not provide, tax, or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax and legal professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice. This communication is strictly intended for individuals residing in the state(s) of PA. No offers may be made or accepted from any resident outside the specific states referenced.