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The BWM Insight Blog is for educational purposes only. The BWM Insight Blog is not intended as an offer or a solicitation for the sale of any financial product or service, or as a determination that any investment strategy is suitable for a specific investor, or that any strategy or security is recommended or promoted by Baystate Wealth Management LLC. The BWM Insight Blog is not designed or intended to provide financial, tax, legal, accounting, or other professional advice. For advice on financial, tax, legal or accounting matters, please consult your financial, tax, legal or accounting professional. The BWM Insight Blog may not be relied upon in making any investment or financial decisions. THE BWM INSIGHT BLOG IS FOR INTERNAL USE ONLY.