This blog and website are for informational, educational and discussion purposes only. Brian Howard is not a lawyer or law firm and is not a registered investment advisor. Even though topics may be discussed on this blog that involve legal or investment issues, nothing on this blog shall be deemed to constitute the practice of law, legal advice or investment advice. No reader should act in reliance on anything discussed in this blog without prior consultation with a licensed professional who is qualified to evaluate the reader’s individual facts and circumstances and offer an informed professional opinion with respect thereto. If any reader takes action or makes decisions based solely on the information on this blog without prior consultation with a qualified, licensed professional, the reader does so at his or her own risk and agrees that Brian Howard shall have no liability resulting from such unilateral action or decisions by the reader. Brian Howard takes care to see that the information it posts on this blog is accurate and truthful. Nevertheless, Brian Howard does not expressly or impliedly warrant or guarantee the accuracy of its postings and the information that others post here.

Brian Howard will on occasion post links to information on other websites. Such links and the information thereon are not under Brian Howard's control. Merely because a link to a third party site appears in this blog does not mean that Brian Howard has reviewed or approved of the link and its content. The reader must treat information from third party links at the reader’s own risk, and Brian Howard accepts no liability with respect to such third party information.