Important — read this first. George Howell Ward is NOT a Certified Public Accountant (CPA), licensed accountant, auditor, tax preparer, or registered investment adviser, and provides no services under IRS Circular 230. George Howell Ward does not give Broker Price Opinions and holds no banking licenses (no mortgage banker or mortgage broker license). This is general educational and operational information only — not legal, accounting, audit, attest, tax, or investment advice, and not a substitute for a licensed professional in your jurisdiction. For those decisions, consult a licensed CPA or qualified professional in your jurisdiction.