Important Disclaimers (the “Website”) is owned by DNT Financial, LLC, a California limited liability company. The articles and other information on this Website have been prepared by Lawrence Chin, the Chief Executive Officer of DNT Financial, LLC. This Website is for information purposes only. This Website should not be construed as a solicitation or offer to sell securities or investment advisory services.

The purpose of this Website is to provide the public with general information about personal finance. This Website is not intended to provide you (the reader) with financial advice about your specific situation. Every individual’s financial situation is unique, and there may be factors beyond the scope of the information on this Website that you should consider before applying the concepts on this Website. Please consult a legal, tax, or financial professional, as you deem appropriate, before undertaking any specific course of action. Regardless of the financial planning process that you undertake, there can be no guarantee regarding the attainment of your financial goals due to the inherent uncertainty in future investment returns, inflation, tax law, and other factors.

Neither DNT Financial, LLC nor Lawrence Chin make any representations or warranties of any kind, express or implied, as to the information on this Website. By accessing the information on this Website, you expressly agree that your use of this Website is at your sole risk and you agree to release both DNT Financial, LLC and Lawrence Chin from any liability resulting from the presence of this Website.