Copyright & Privacy


Copyright © 2014 by the International Association of Registered Financial Consultants (IARFC). All rights reserved. Reproduction or use in whole or of any part of the contents of the Journal of Personal Finance, printed or electronic, without written permission of the IARFC, is prohibited.


Permission to reuse material from the Journal of Personal Finance can be requested through the IARFC editor(s). To make a request, email editor@IARFC.org with the Volume, Issue and title of the article you wish to reuse or Contact IARFC, Editorial Coordinator, P.O. 0506, Middletown, OH 45042-0506.


Professionally produced reprints of articles published in the Journal of Personal Finance may be purchased, in quantities of 100 or multiples of 100. Contact Wendy M. Kennedy at 800.523.9060 x 308 or editor@IARFC.org for a quote.


Opinions expressed in Journal articles are not necessarily endorsed by the International Association of Registered Financial Consultants or its members. The Journal assumes no responsibility for the accuracy of any claims made by advertisers. Publication of an advertisement in the Journal does not constitute an endorsement of the product or services advertised.