By using this, you indicate your agreement to the following conditions of use without any limitations or qualification. Please read these conditions carefully before using this site. Perry L. Smith Consulting may at any time revise these terms and conditions by updating these materials. You are bound by any such revisions and should therefore regularly visit this page to review the then current terms and conditions to which you are bound.

This communication is strictly intended for individuals residing in the state of Washington. No offers may be made or accepted from any resident outside the specific state(s) referenced.

An insurance agent, broker-dealer, registered representative, Investment Advisor, or investment advisor representative may only transact business in a state if appropriately licensed or registered. Follow-up, individualized responses to person in a state by such a firm or individual will not be made without first complying with appropriate licensing or registration requirements.

For information concerning licensing status or disciplinary history, consumers should contact their state insurance department or securities law administrator.

This website is controlled and operated by Perry L. Smith Consulting from its offices within the State of Washington, United States of America. Perry L. Smith Consulting makes no representation that materials on are appropriate or available for use in any other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

The information contained on this website is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance, securities or other laws of the jurisdiction. Some insurance and securities products (or their underlying funds) may not be available in all jurisdictions and are generally not available for purchase outside the United States of America. In addition, any mutual funds or variable insurance products or variable annuity contracts referred to on this website may be offered and sold only to persons in the United States of America. These products are distributed by 1717 CAPITAL MANAGEMENT COMPANY, whose principal business address is Christiana Executive Campus, P.O. Box 15626, Wilmington, Delaware 19850.

The material on this website,, are provided "AS IS" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Perry L. Smith Consulting does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Perry L. Smith Consulting does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You and not Perry L. Smith Consulting assume the entire cost of all necessary servicing, repair or correction. Links to other sites can be accessed through this site. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations independent and not under control of Perry L. Smith ConsultingPerry L. Smith Consulting does not endorse, approve or certify any information, product or service referenced or provided at such addresses. The material on this website is provided for information purposes only and it is not intended and should not be construed as legal, tax or other professional advice. It is not a substitute for obtaining legal, tax or other professional advice from a competent, independent adviser in your jurisdiction.

While Perry L. Smith Consulting uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. Perry L. Smith Consulting makes no warranties or representations as to the accuracy of the materials on this website. Under no circumstances, including, but not limited to, negligence by act or omission, shall Perry L. Smith Consulting or any part involved in creating, producing, or delivering this website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Perry L. Smith Consulting or a Perry L. Smith Consulting authorized representative has been advised of the possibility of such damages. Applicable authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Perry L. Smith Consulting total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this website. Perry L. Smith Consulting assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

This site is owned and operated by Perry L. Smith Consulting. Permission is granted to display and navigate around this website with a computer using HTML browser software, soley for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted by Perry L. Smith Consulting, no materials from or any other website owned, operated, licensed or controlled by Perry L. Smith Consulting may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without Perry L. Smith Consulting's written permission. Perry L. Smith
 neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Perry L. Smith Consulting.

Images displayed on this website are either the property of, or used with permission by, Perry L. Smith Consulting. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All trademarks, service marks, trade names, logos, and icons used by Perry L. Smith Consulting or any Perry L. Smith Consulting affiliated company are proprietary to Perry L. Smith Consulting. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this website without the written permission of Perry L. Smith Consulting or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Inquiries concerning use of Perry L. Smith Consulting trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to Perry L. Smith Consulting, 800 Bellevue Way NE Suite 400, Bellevue, Washington, 98004 United States of America. Any communications or material you transmit to this webiste by electronic mail or otherwise, including data, questions, comments, or suggestions, will not be treated as confidential nor as proprietary and will become the property of Perry L. Smith Consulting or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Perry L. Smith Consulting is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

All trademarks, service marks, trade names and logos used by Perry L. Smith Consulting or its subsidiaries are registered trademarks or service marks of Perry L. Smith Consulting. We are very protective of our trademarks and service marks. All use of these marks must be with our permission. We will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we may be entitled to collect your profits, our actual damages and, perhaps, even our attorneys' fees. We thank you for your cooperation.

Perry L. Smith Consulting shall exercise reasonable precautions to maintain the confidentiality of all information provided by you in connection with accessing this site. Because such information can be acessed through the Internet, no assurance can be given to you that this information will remain secure. Perry L. Smith Consulting may, at times, disclose such information to its employees, representatives, officers, agents or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose. This site does not collect personally identifying information about individuals except when specifically and knowingly provided by such individuals.