Confero Summer 2013: Issue 3 | Page 2

confero A quarterly publication by Westminster Consulting A quarterly publication of fiduciary ideas by various contributors within the industry. Publisher Westminster Consulting, LLC. Editor-In-Chief Gabriella Martinez Contributing Editors Sean Patton, AIF® Thomas Zamiara, AIFA® Creative Director Gabriella Martinez Contributors Erica Harper, ASA, EA, MAAA Eric Paley, Esq. Gabriel Potter, AIF® Diana K. Powell, Esq. Thomas Zamiara, AIFA® Gabriella Martinez Angel L. Garrett, Esq. Questions or Comments? email us at [email protected] The information contained in this on-line magazine is for general information purposes only. The information is provided by Westminster Consulting and while every effort is made to provide information which is both current and correct, Westminster Consulting makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the on-line magazine or the information, products, services, or related graphics contained within the on-line magazine for any purpose. Any reliance you place on such information is therefore strictly at your own risk. In no event will Westminster Consulting be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this on-line magazine.