Ideal Retirement Solutions, LLC (“IRSL”) and Ideal Tax Solutions Group LLC (“ITSG”) are affiliated through common ownership but are separate legal entities. IRSL does not provide tax preparation or tax filing services. ITSG does not provide investment advisory services. Engagement of tax services is optional and requires a separate agreement with Ideal Tax Solutions Group LLC.

Ideal Retirement Solutions, LLC is an SEC-registered investment adviser. Information is provided for educational purposes only and is not intended as investment, legal, or tax advice. No offer or solicitation to buy or sell securities or investment strategies is being made. Statements regarding fiduciary duty are made in accordance with the Investment Advisers Act of 1940. Any hypothetical examples or forward-looking statements are for illustrative purposes only, not predictive of actual results. Please consult with a qualified financial, tax, or legal professional regarding your personal circumstances.