Do you want Cashflow Forever ... 
from rental property?
But Overwhelmed or Not Sure Where to Start??

It’s Easy... 

When You Follow These 3 Simple Rules
For Safety & Success with Rental Property:

  • 1. TRAIN
  • ​Get all the training you need to succeed, in one place 
  • ​No more endless Googling!  
  • ​Learn how to pay for, evaluate & purchase rental property, how to best manage it while protecting your personal time, when to leverage it, and how to mitigate risk... and much, much, much more! 
  • Map: Develop your overarching Strategic Plan with Kai
  • ​Directions: Use Kai's 51 Step-by-step Action Plan to buy &/or manage your cash-flowing rental property
  • Weekly face-to-face mentoring with Kai on all the topics provided in the training (and more!)
  • ​Weekly strategy sessions with  Kai to help you identify your goals - AND ACHIEVE THEM.
  • ​Resolve issues as they come up with your own personal "support crew"
  • ​Join a supportive community of people with similar goals
  • ​​You will have an action plan for creating monthly cashflow to last the rest of your life (and forever)
  • ​You will be the proud owner of cash-flowing rental property.
  • ​You will have everlasting, sustainable monthly income
  • ​You will never again worry about running out of savings or having to work till your death!
  • ​You'll have peace-of-mind knowing that you are passing wealth to your surviving spouse &/or loved ones.
  • ​Your future will be one of optimism, excitement, and ease.
Imagine having all this, 
without wasting any more... 
—> TIME (surfing Google, YouTube, Zillow, etc.), or  
—> MONEY (on ridiculous, far-fetched, often expensive, unethical, overly complicated, and impersonal real estate investing courses)
Well, now you can!  

Meet Kai 
- Your MentorGuide -
(to will help you get YOUR "chicken"!)

K. Kai Anderson, PhD

Progressive, ethical real estate entrepreneur-investor-landlord for over 17 years.

Author of Retire on Real Estate: Building Rental Income for a Safe & Secure Retirement
      *Winner of:2018 Robert Bruss Book Award  (of the National Association of Real Estate Editors)
      *Named within: Top real estate books of all time, by: The Book Authority
      *Forward by: Amanda Han, CPA, Keystone CPA, an accounting company specializing in real estate investing
       *Published by: Harper-Collins 
              Prior publisher: The American Management Association (i.e., AMACOM)

      *Endorsed by:
            Kevin Harrington, Original Shark on ABC's Shark Tank
            Kim Kiyosaki, Author of Rich Woman
            Dr. Todd Sinai, Professor of Real Estate at UPenn's Wharton School of Business

Lucky Penny
Kai's "Co-Instructor"

"My job is to ... cluck ... 
show you how to:
Get a CHICKEN!!!" 

The 3 Simple Rules
For Safety & Success with Rental Property:

Rule #1: Train
Acquire the knowledge & skills necessary for success! 
* Seven 1-hour classes to everything you need to know, start-to-finish.
* Insider’s tips, tricks, strategies, formulas, must-do’s (and must never-do’s).
* Shortcuts to save your precious time! 

See below for a preview of the 7 classes:
Class 1: Financing Tricks of the Trade & How to Acquire Property With Seemingly Little Resources
Learn all the secret strategies - that successful "regular people" like Kai and other successful investors (and soon, you) use to buy rentals. Whether you are starting from nothing or have existing savings &/or property, you need to know these insider's tip/tricks that Kai reveals in the very first session so that you can build monthly ever-flowing eggs (or Income) FOREVER, using rental property!!
Class 2: The 6 Essential Steps to Evaluating Potential Rental Properties for Purchase (Including Learning How to Determine if You Should Rent Out Your Personal Home!)
In this second class, you’ll learn the 6 ESSENTIAL steps to evaluating your potential rental property, to help you negotiate and renegotiate your purchase price as you proceed through the steps, so that you are 100% confident by the time you get to the closing table that you have a GOOD and cash-flowing rental property that you won’t have to worry about – a feeling that is priceless! 
Class 3: Math Made Easy (a.k.a. Running the Financials)
Math Made Easy contains some of the trickiest stuff in the business, running the financials, but Kai breaks it down for you to the most essential concepts and formulas, including ways to understand and remember them. Because knowing your numbers can MAKE or BREAK your success! Quick formulas to help you evaluate the financials so that you can be confident that you have a CASH-flowing rental property – and avoid the money pits!
Class 4: Negotiating, Making Offers & Contract Essentials (To Make A Good Deal Better & A Bad Deal Disappear!)
This class divulges the secrets to making uncrackable offers & negotiating a great deal! You will also receive secret, powerful contract clauses to use yourself (or have your realtor use) to make a good deal even BETTER, and make a bad deal DISAPPEAR (without losing your deposit!) so you can make offers with confidence, and get out of them easily when necessary.
Class 5: Finding, Screening & Securing Quality Tenants
This class teaches the step-by-step strategy that Kai uses to find/screen/secure QUALITY tenants. And how to find and screen an honest and quality property manager if you prefer the hands-off approach to property ownership. You will be have the unique opportunity to be able to LEVERAGE her 17+ years of experience (including her mistakes, and lessons learned!) to avoid pitfalls of your own, avoid scam artists, and grab awesome tenants who will help you pay off your mortgage & protect your investment for the long term!
Class 6: Risk Mitigation! (aka: “Spotting Potholes and Sinkholes Before It's Too Late!) 
Every property investor needs this class!  In this class, Kai shows you all the risks in real estate, how to avoid them, and how to recover from them if they do hit you, including the eviction process, and more importantly eviction alternatives. Use her time-tested strategies (built from her own real-world experience!) to avoid the bad egg of a tenant, the rotten chicken of a property and other risks that are inherent in real estate. 
Class 7: Your Launchpad!
This final session is Your LAUNCHPAD to make your retirement dreams come true! Kai breaks down all the details that we’ve discussed in the previous sessions into 10 concrete steps, so that your path forward is easy and straightforward and you success is inevitable.  As an added bonus, Kai shares two goal-attainment strategies to help you achieve rental property mastery. AND Kai teaches advanced moves in creating additional monthly ever-flowing Eggs (Income) FOREVER!  
Rule #2: Have a Plan
Use a Map with Step-by-Step Directions!
* Use this customizable Strategic plan to help you craft where you are going and know all the steps to get there as effortlessly as possible. 
Part 1: Your Overarching Master Plan ("Map")
* Decide where you want to end up (just one rental, a portfolio, a vacation property, etc.)
* Plug-and-chug: Plug your numbers into Kai's formulas to easily determine how many properties you'll need to reach that Goal. 
Part 2: Your Step-by-Step Action Plan ("Directions")
* Follow this multi-step checklist to make it easy to find, evaluate, & purchase a good, cash-flowing rental property & secure A+ tenants  
* This removes the guesswork, anxiety, and procrastination ... so you can reach your big-picture goal, one property at a time! 
Rule #3: Don't Go Alone
Use a Mentorguide & Support Crew!
* Find both leadership & community here... 
Your Mentorguide: Kai
* Get answers to all your questions, both small & large!
* Navigate dilemmas with the support of an ethical, experienced, authentic & down-to-earth implementation coach!
* Free yourself from the obstacles of isolation, indecision, and stagnation that are so common when you go it alone!
* Acquire tools, resources, solid knowledge, and confidence!
Your "Support Crew": The Community
* Develop connections with a group of individuals with similar dreams, goals & ambition!
* Harness the power of many minds and backgrounds to problem solve and strategize!
* Exchange ideas, tips, tricks & even referrals within this kind and supportive group!
* Use the power of "positive peer pressure" to propel your dreams!
* Celebrate others and be celebrated for small and large victories!
the explorer

(Totaling only $36!)

Rock-bottom offer ends Fri, Sept 16
First Class is Free
Remaining 6 classes are only $6/each!

(Valued at $2050)
  • Your Training Program:
  • Create Cashflow Forever with Rental Property Now Masterclass Training Teaching Sessions - Lifetime Access! (7 Hours) ($2000.00 Value)
  • Plus This Bonus:
  • (FREE) Bonus: Create Cashflow Forever with Rental Property Now Masterclass Training Challenge & Organization Workbook ($50.00 Value)
option #2:
the Achiever

START now (cohort #3)
(Totaling only $288 over 8 weeks)

Over 70% off right now!
Rock-bottom offer ends Fri, Sept 16

(Valued at $6,400)
  • Your Training Program:
  • Create Cashflow Forever with Rental Property Now Masterclass Training Teaching Sessions - Lifetime Access! (7 Hours) ($2,200.00 Value)
  • Plus This Bonus:
  • (FREE) Bonus #1: Create Cashflow Forever with Rental Property Now Masterclass Training Challenge & Organization Workbook ($50.00 Value)
  • Plus Your Map, Directions & Guide:
  • Your "Map": Create Cashflow Forever with Rental Property Now Personal OVERARCHING STRATEGIC PLAN ($500.00 Value)
  • Your "Directions": The Create Cashflow Forever with Rental Property Now personal STEP-BY-STEP ACTION PLAN ($1500.00 Value)
  • Your "Guide": MENTORGUIDE COACHING WITH KAI (Weekly Face-to-Face Small-group Zoom Calls for 8 Weeks!) ($800.00 Value)
  • Plus These Bonuses:
  • (FREE) Bonus #2: Exclusive Lifetime Membership to Our Create Cashflow Forever with Rental Property Now Online Mastermind Private Facebook Group ($50.00 Value)
  • (FREE) Bonus #3: Anderson Inspection Method Tool (AIM Tool) ($100.00 Value)
  • (FREE) Bonus #4: Anderson Cash Flow Analysis Tool (CFA Tool) ($400.00 Value)
  • (FREE) SUPER BONUS!!! Create Cashflow Forever with Rental Property Now STRATEGY SESSIONS WITH KAI (Weekly, Face-to-Face Small-group Zoom Calls for 8 Weeks!) ($800.00 Value)
option #3:
the high-achiever

(Totaling $1992 over 8 weeks)

33% off right now!
Offer ends Fri, Sept 16

(Valued at $9,400)
  • Your Training Program:
  • Create Cashflow Forever with Rental Property Now Masterclass Training Teaching Sessions - Lifetime Access! (7 Hours) ($2,200.00 Value)
  • Plus This Bonus:
  • (FREE) Bonus #1: Create Cashflow Forever with Rental Property Now Masterclass Training Challenge & Organization Workbook ($50.00 Value)
  • Plus Your Map, Directions & Guide:
  • Your "Map": Create Cashflow Forever with Rental Property Now Personal OVERARCHING STRATEGIC PLAN ($500.00 Value)
  • Your "Directions": The Create Cashflow Forever with Rental Property Now personal STEP-BY-STEP ACTION PLAN ($1500.00 Value)
  • Your "Guide": MENTORGUIDE COACHING WITH KAI (Weekly Face-to-Face Small-group Zoom Calls for 8 Weeks!) ($800.00 Value)
  • Plus These Bonuses:
  • (FREE) Bonus #2: Exclusive Lifetime Membership to Our Create Cashflow Forever with Rental Property Now Online Mastermind Private Facebook Group ($50.00 Value)
  • (FREE) Bonus #3: Anderson Inspection Method Tool (AIM Tool) ($100.00 Value)
  • (FREE) Bonus #4: Anderson Cash Flow Analysis Tool (CFA Tool) ($400.00 Value)
  • (FREE) SUPER BONUS!!! Create Cashflow Forever with Rental Property Now STRATEGY SESSIONS WITH KAI (Weekly, Face-to-Face Small-group Zoom Calls for 8 Weeks!) ($800.00 Value)
  • Plus Private Coaching & Strategy:
  • PRIVATE MENTORGUIDE COACHING + STRATEGY SESSIONS WITH KAI (Same price for for Individuals or Couples: Weekly Face-to-Face Private Zoom Calls for 8 Weeks!) ($3,200.00 Value)

Celebrity & Academic Endorsements

Kevin Harrington
Original Shark on ABC’s Shark Tank, Inventor of the Infomercial, and Founder of “As Seen on TV”
"Dr. K. Kai Anderson is a leader in helping working adults rethink and reclaim their retirement possibilities ... connects the dots between retirement planning and real estate ... explaining the pitfalls of the current retirement system and the nuts and bolts of how to plan for the future using the powerful and surprisingly achievable tool of real estate."

Kim Kiyosaki
Author of Rich Woman
"Dr. K. Kai Anderson answers one of life's toughest questions facing most new real estate investors: How do I get started? ... Learning from someone who has made mistakes, faced challenges, rose above setbacks, and today has a successful track record makes all the difference. Her step-by-step, first-hand knowledge of how to find, manage, and create cash-flowing property can put you in control of your financial future."

Todd Sinai, PhD
Professor of Real Estate, University of Pennsylvania, Wharton School of Business
"No get-rich-quick schemes here; Dr. Anderson provides a step-by-step guide to her conservative, disciplined method of building a real estate portfolio and assuring income in retirement." 

What members are saying about the: 
Create Cashflow Forever with Rental Property Now
8-Week Masterclass Training
“Whether you’re just deciding to explore real estate, or you’re ready to sign the contract on your first investment property, Kai’s book and course can help you take the next step. Her rich personal experience and a deep commitment to helping folks invest wisely make this course well worth it.” 
– Rex
"Having just completed Kai’s book and webinar series, I am confident to use real estate to diversify my retirement income. Well organized and clear, Kai covers every aspect of the process, including her proven methods for selecting, contracting and renting property and vetting and keeping quality tenants. This information dispelled my apprehension and moved me forward to achieving higher retirement income. Thank you, Kai, for sharing this information!" 
 - Mary
"Kai nicely details the HOW in going about acquiring properties and tenants. Her course gently prods students to employ the methods in her book and she entertains questions they may have along the way in doing so. I’ve gained so much more confidence in taking steps to actually partake in getting involved with rentals! Love the fact that we can use your spread sheets for free!"
 - Linda
Free Bonus (All Options)
Challenge & Organization Workbook
This Create Cashflow Forever with Rental Property Now Masterclass Training Challenge & Organization Workbook contains all your challenge exercises and homework assignments, plus note-taking space, to help you stay organized, sane, and effective throughout this massive learning experience, and beyond!
(NOTE: Many of the homework assignments & challenges require access to materials that are offered in the ACHIEVER & HIGH-ACHIEVER levels, only.)
Free Bonus (Achiever & High-Achiever Levels ONLY)
Exclusive Membership Invitation to Our Private Facebook Mastermind Group - Lifetime Membership!
Instantly connect with me for questions, exchange ideas, tips, tricks, and even referrals, with other members who share similar dreams, goals, and work ethics. Use the power of "positive peer pressure" to propel your dreams!
Free Bonus (Achiever & High-Achiever Levels ONLY)
Anderson Inspection Method (AIM) Tool
The AIM Tool makes the house-hunting process organized and fun!  It is a critical component of Kai's "Six Essential Steps to Evaluating Prospective Properties" so that you can not only remember details after you tour properties, but also leverage the insights to negotiate a better deal. 
Free Bonus (Achiever & High-Achiever Levels ONLY)
Kai's proprietary Cash Flow Analysis Tool (CFA Tool)
The CFA Tool is the MUST-HAVE tool for every investor, to help you effortlessly crunch the numbers to save time (before seeing properties), to ensure a profitable deal (before settlement), and also improve your cash flow (on existing properties)!  The CFA Tool is a critical component of Kai's "Six Essential Steps to Evaluating Prospective Properties."  

Plus, for a limited time:

(Achiever & High-Achiever Levels ONLY)
Strategy Sessions with Kai... for 8 weeks!  
(face-to-face, every week on Zoom)
Join Kai's in-person small-group Strategy Sessions... for FREE!  
     -  Develop your Overarching Master Plan;
     -  Calculate how many properties (in your area) that you'll
         need for your "Retire on Real Estate" Level I or III Goal;
     -  Implement your Step-by-Step Action Plan to find, 
         evaluate, purchase, and then manage properties;
     -  Decide whether to sell or rent out an existing property, 
     -  Buy a vacation home &/or use AIRBNB for profit;
     -  Leverage up via retirement account or existing properties; 
     -  Accelerate payoff of your existing mortgages!     
     - etc...!!! 
What other members are saying about the:
Create Cashflow Forever with Rental Property Now 
8-Week Masterclass Training
“I am, by all measures, a novice when it comes to real estate investing. For years, I've thought of buying an investment property, but have never taken the plunge. Not doing so was largely due to a lack of information. I was lucky enough to have participated in Kai's training and can confidently say, I no longer lack any information! This training is worth every penny for novice and experienced investors alike. Between her engaging book, high-quality videos and in-person mentorship, I left this course knowing that I had everything I needed to confidently start purchasing, managing and profiting off of real estate. Thank you, Kai, for your guidance & patience!” 
– Daniel
“I am very happy to have participated in your online course! I found the information very specific, detailed and helpful. It covered start to finish, all the important elements for finding, obtaining and maintaining my "chicken". Thank you!”
 - Shelly
"Kai Anderson’s course on retiring with real estate has given me the confidence that I can do this. And she’s broken it down in such a simple manner that she makes it doable for anyone no matter what your situation you’re in. So I highly recommend the course as it’s been life changing for me!"
 - Jean
Frequently Asked Questions
How long does this training take from start to finish?
Achiever & High-Achiever Levels:
8 weeks

Being self-directed, you can watch the 7 hour course in 7 hours, 7 days, or 7 weeks!

All levels have unlimited access to all the materials FOREVER.  This includes all updated materials as well!
What is the time commitment? 
Explorer-level1 hour/week (min)
     Classes: 1 hour/week
     Optional HW: 1+ hours per week.

Achiever & High-Achiever Levels: 
1-3 hours/week (min)
       Classes: 1 hour/week
       Face-to-Face Mentoring: 1 hour/week
       Face-to-Face Strategy: 1 hour/week
       Optional HW: 1+ hours per week.
When does this start?
All levels: You will be able to access all materials  as soon as you register! 

For Achiever & High-Achiever levels only: Classes start immediately. for our Monday face-to-face sessions: 
     Mentoring: 8-9pm (EST)
     Strategy:   9-10pm (EST)
What if I can't commit to all the Mentoring & Strategy Calls?
If you want access to all the mentoring and strategy calls, and all the bonuses that are offered in the Achiever and High-Achiever options, but if you can't commit to every single Monday Night, this is not a Problem.  

Kai summarizes any key topics (keeping details general and anonymous) within our private Facebook mastermind group. This forum is here to to provide extra support, so you can ask questions and benefit from other people's questions and perspectives. 
How much access to I have to you, Kai?
If you join the Achiever or High-Achiever option: We meet live two hours each week.  In our small group sessions, we really get to know each other. Kai authentically shares her ups and downs and lessons learned, and to the extent that you are comfortable and willing, you share your situation, ups/downs, and successes (both large and small!).

Plus you'll have access to me FOREVER through the Facebook mastermind group where we communicate often!  
What is the refund policy if I'm not happy with the training?
If you find that this training doesn't work for you, for any reason, simply send a cancellation email within 30 days of purchase and I'll issue you an immediate 100% refund.   
How do I know if I'm a good fit for this training?
This training is for you if... 
  1) You have no rentals yet, but you're looking to get started (even if you don't own home yet),
  2) You own some rental property and you are looking to polish your skills and strategically rebalance or build your portfolio, 
  3) You've had rentals in the past, and you want to get back in the game with a fresh start and with a new goal (long-term investment!).
Can I be successful even if I don't own my own home or have much in savings? 

Kai shows you realistic, practical strategies to get started no matter what your starting point is!  

Kai shows you a number of good options for people in any situation - options that are realistic and don't involve complicated, wacky, risky, or unethical schemes, begging others for money, or partnering (which can shatter your relationships!).  
If I have a very large amount in savings, do I still need this?

In fact, we believe you need this even more, for authentic diversification (tangible, sustainable versus finite income, and profit based on monthly cashflow versus buying/selling shares).  

Rental property investing is a way to lock in protection from loss or depletion of your savings. At the end of the day, the secret sauce is in sustainable, everlasting cash-flow (while building equity & net worth), not the finite, depletable "pot of gold".  Its about thinking beyond the "nest egg" - and getting a "chicken"!
How long do I have access to all the training materials?
Once you register, you have lifetime access to all the trainings, print materials & private Facebook mastermind group that are offered by your Plan, via your own personal portal!  

Everything is online, so you'll have them anytime & anywhere, so you won't have to worry about losing them, and you'll also have access to all future updates

All you need to access them is a device with internet. Both the coaching and the strategy calls can be accessed either online (Zoom face-to-face) or through a regular telephone (voice).  
Why should I take this training, over any others out there?
You'll have access to me 24/7 via our Facebook mastermind group. 

And what's unique here is that when you join the Achiever or High-Achiever level, you get access to me in-person every Monday evening in small group sessions.  

One more thing.  Kai is unique to the other courses out there because she truly cares about each and every member/ student, and is authentic and down-to-earth.  Also, Kai teaches in a step-by-step fashion the safer, realistic method of acquiring only a reasonable amount rental property to build an authentically diversified retirement picture.
Can I invite others to this course? 

Help me spread the word about rentals for authentic diversification in retirement planning. Invite your friends, coworkers, neighbors, and other family members to join, so they don't get left behind, financially!  This also makes it even more fun and supportive for you! 

Also, if you have a partner or spouse, it's free for them to join you in the training. In fact, it is in your best interest that they go through the training with you so you both develop the skills and confidence, AND also because the everlasting income from rentals will protect the financial security of both of you (no matter who passes away first... sorry to be grim but this is the truth!). 
Remember: Time Is Of The Essence  
The sooner you start, 
The sooner you finish.
"This Training is PACKED 
with ALL the Secret Success Strategies 
that seasoned & successful investors 
already know...
without your having to learn them the hard way."  
* 10 SECRET PURCHASE/FINANCING STRATEGIES you need to know, including the safe way to leverage assets you already own! These will help you get started even if you are starting from nothing, AND PROPEL YOU to higher levels (EVEN when they seem out-of-reach)!
* PLUS how to legally start earning rental income without owning property - great way to get started or add to what you have!
* Kai's 6 ESSENTIAL STEPS to evaluating properties to save you money and keep you from getting burned.
* The 8 high-risk properties to avoid - and why!
* MATH MADE EASY! Master the 5 quick (but essential) formulas you NEED TO KNOW for a sound financial investment!
* STEP-BY-STEP lesson on how to use Kai's proprietary Cash-Flow Analysis Tool to evaluate potential properties (and even current rental properties) for financial soundness (cash flow, cap-rate, ROI), plus how to use it if you are considering turning your personal home into a rental property.
* 6 SECRET NEGOTIATION TACTICS essential getting a great deal!
* 6 SECRET POWERFUL (and legal!) contract clauses (even your realtor won't know) that will make a good deal 1000x better, and a bad deal go away (without losing your deposit!)
* Mortgage essentials & their impact on your Retire on Real Estate (RORE) retirement goals.
* LANDING the right mortgage for your personal RORE goals!
* PLUS 4 ways to actually MAKE (& SAVE) MONEY at closing!

* LEVERAGE Kai's 17+ years of experience (and mistakes and lessons learned the hard way!) so that finding, screening, and securing a QUALITY tenant is EASY and STRAIGHTFORWARD
* How to find a pool of awesome tenants!
* How to screen out the scams!
* Detailed STEP-BY-STEP SCREENING STRATEGIES to ensure you find quality tenants that will pay their rent on time and take care of your property, and ultimately pay off your mortgage and raise the value of your investment!
* DON'T LET THE GOOD ONES GET AWAY! How to snag a good prospect and persuade them to commit!
* TRICKS to managing your property with RIDICULOUSLY LOW investment of time/energy on your part
* Guidance on finding a TRUST-WORTHY property manager (if that’s your preference)
* Maintaining your property for EVER-APPRECIATING value

* The 7 risks often associated with rental property, and how to avoid them altogether, and lessen the damage should they occur
* Lowering risk at every stage of the house-hunt, from knowing your criteria, to walkthroughs with the Anderson Inspection Method (AIM) Tool, to submitting a risk-free contract
* The right way to submit an earnest money deposit . . . to ensure you get it back if you decide not to buy!
* Lower your risk of ending up with a property with expensive maintenance and repair needs!
* Knowing what type of mortgage to get (and what types not to get) to lower your risk!
Don't delay doing what you know is right.

ACT NOW. . .
 So you can identify the golden opportunity when it presents itself, 
(and then, so you are confident & ready to "grab" that opportunity) 
to begin making your retirement dreams come true!  
Talk to your CPA for details about how this Training is tax deductible.  
30-Day "No Questions Asked" 
Money-Back Guarantee
Your money back if for any reason (at all) you are unhappy with any
Create Cashflow Forever with Rental Property Now course option.
K. Kai Anderson
Author of the award-winning book: 
Retire on Real Estate: Building Rental Income for a Safe & Secure Retirement

Friendly reminder that the material presented in Kai's course and all coaching, strategy, & ongoing support calls are not to be construed as investment, financial, tax, accounting, legal, "market-timing" or portfolio advice, and are best used when coordinated with individualized professional advice from a licensed professional in at least one of these fields. 


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