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All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner. Certain text and articles: ©2000 The Garrett Planning Network, Inc., Sheryl Garrett, Principal. Other text, photos, articles and logos: ©2002-2024 Financial Bridges, Glenda K. Moehlenpah, CPA, CFP® , Principal. "Fee-Only Financial Planning and Advice for Everyday Life"™ "Hourly, As-Needed Financial Planning and Advice"™ "Building Brighter Financial Futures"™ and "The New Choice for Smart Consumers"™ rights owned by The Garrett Planning Network, Inc., Sheryl Garrett, Principal.