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Please note: Next Generation Services (“NGS”) does not review the merits or legitimacy of any investment.  NGS does not endorse or recommend any companies, products, services or investments.  NGS does not provide any financial, legal or investment advice.  If the services of NGS were recommended by any third party, such persons or entities are not in any way affiliated with NGS.  NGS is not a “fiduciary” as defined in the IRC, ERISA, and/or any applicable federal, state or local laws.  All information provided is for educational purposes only.  All parties are encouraged to consult with their professional advisors prior to making any investments.