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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Gateway Financial and Estate Planning, Inc., and our editorial staff. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee based financial planning and investment advisory services are offered by Gateway Financial and Estate Planning, Inc., a Registered Investment Advisor in the State of Arizona. (Registration does not imply a certain level of skill or training) Insurance products and services are offered through Gateway Financial. Gateway Financial and Estate Planning and Gateway Insurance and Gateway Financial are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Idaho or where otherwise legally permitted. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours. Gateway Financial and Estate Planning, Inc., Gateway Insurance and Gateway Financial and Chad Neilsen are not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions. Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited.