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Havanich, David B., Jr. DellaSala, Carmine A. Welch, Matthew D. Scurlock, Richard Hampton, III RTG Inc. d/b/a Retirement Tax Advisory Group Carrio, Jose F. Karasik, Dennis K. Carrio Karasik & Associates, LLP Salovay, Michael J.

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Havanich, David B., Jr. DellaSala, Carmine A. Welch, Matthew D. Scurlock, Richard Hampton, III RTG Inc. d/b/a Retirement Tax Advisory Group Carrio, Jose F. Karasik, Dennis K. Carrio Karasik & Associates, LLP Salovay, Michael J.

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Havanich, David B., Jr. DellaSala, Carmine A. Welch, Matthew D. Scurlock, Richard Hampton, III RTG Inc. d/b/a Retirement Tax Advisory Group Carrio, Jose F. Karasik, Dennis K. Carrio Karasik & Associates, LLP Salovay, Michael J.