The opinions expressed here are those of the author and do not necessarily reflect the views or opinions of Maner Wealth, a State of Michigan Registered Investment Advisor or Advisory Alpha, LLC. Investment advisory services offered through Maner Wealth, a State of Michigan Registered Investment Advisor. Subadvisory services offered through Advisory Alpha LLC, a SEC registered investment advisor. Insurance, consulting and educational services offered through Advisory Alpha. Maner Wealth, Advisory Alpha and Advisory Alpha are separate and unaffiliated entities. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.