Kathleen M. Thomas, CFP®, CIMA®, CLU®, is the Director of Portfolio Services and Lead Wealth Advisor for NewDay Solutions, LLC, (“NewDay”), a registered investment advisor.This content is intended to provide general information about investments and financial matters in Ms. Thomas’ individual capacity. It is not intended to offer or deliver investment advice or the advisory services of NewDay in any way. You should not assume that any discussion or information contained in this content serves as the receipt of, or as a substitute for, personalized investment advice from Ms. Thomas or NewDay. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Ms. Thomas is neither an attorney nor a certified public accountant and no portion of this content should be construed as legal or accounting advice.