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 Fee-based financial planning and investment advisory services are offered by Gradient Advisors, LLC a Registered Investment Advisor. Insurance products and services are offered through IntelliPlan Inc.. IntelliPlan Inc. and Gradient Advisors, LLC are not affiliated companies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of IntelliPlan Inc. and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Tennessee or where otherwise legally permitted.