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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Gmac Family Financial 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 financial professional prior to implementation. Insurance products and services are offered through Gmac Family Financial. Gmac Family Financial and Gregg J. MacInnis are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions.