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I hate to sound like a dick and it was very nice of you to write this but unless your a series 6, 7 or 8 your in complete violation of US law giving out any advice involving insurance or asset planning. As I was a registered series 7 and have looked into become both a 6 and an 8 I can tell you discussing things like this in an open forum is a good way to get yourself sued if someone takes your advice and it was not the best choice for them.
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