Disclaimer/Legal Notice

This website is produced by Betty-Anne Howard, of Independent Planning Group Inc. as an information service and the views expressed are those of Betty-Anne Howard. The content herein is not intended to replace specific professional advice. It is recommended that readers consult with their professional advisor(s) prior to making any investment or financial planning decision. Commissions, trailing commissions, management fess and expenses all may b associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed. Their values change frequently, and past performance may not be repeated.