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This material is provided exclusively for use by individuals with an active license to the Savvy Social Security Planning for Boomers program. Use of this material is subject to the Savvy Social Security Planning for Boomers Program Agreement and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” without warranty of any kind. Its accuracy and completeness is not guaranteed and all warranties express or implied are hereby excluded.