Disclaimer: The entire contents of this personal finance and wealth building web site represent the thoughts, ideas, and opinions of Michael Holland, unless otherwise stated. You may also come across articles, videos, reports, and other content provided by (or associated with) various authors. In all of these cases, the opinions of each respective author is there's alone, and they shall retain copyright of the material as marked. The information on this web site is in no way intended to replace a one-on-one relationship or consultation with a qualified or certified financial or investment professional. Our intent is not to give you financial advice because every individual's financial situation is unique. The intent is to share knowledge and information based on the experience and research of Michael Holland and his community. Michael encourages you to make your own financial decisions based upon your research and in partnership with a qualified financial or investment professional.