Time to Get Tax-Savvy: Managing Your Tax Burden

AIF® (Accredited Investment Fiduciary®) is an educational designation only, obtained by the holder by completing the requisite coursework. The AIF Designation does not mean the holder is acting in a fiduciary capacity.

Rick J. Dhabalt is licensed in DE, IA, IL, KS, MO, NE, NJ, OK, SD, TX, and WI to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in AZ, IA, IL, IN, KS, MN, MO, NE, NJ, OK, SD, TX and WA and adviser registered in NE.

Gregory V. Cismoski is licensed in DE, IA, IL, MO, NE, NJ, NC, OK, SD, TX, and WI to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in AZ, CO, IA, KS, MO, NE, NJ, OK, SD, TX, and WI and adviser registered in NE.

This site is not a solicitation of interest in any of these products in any other state.

IMPORTANT CONSUMER INFORMATION: Rick J. Dhabalt and Gregory V. Cismoski may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if he is excluded or exempted from the state's registration requirements. Follow-up, individualized responses to consumers in a particular state by Rick or Gregory that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA representative or any financial institution he represents, contact your state securities law administrator.

Insurance issued by Principal National Life Insurance Company (except in New York), Principal Life Insurance Company, and the companies available through the Preferred Product Network, Inc. Securities and advisory products offered through Principal Securities, Inc., 800/247-1737, Member SIPC. Principal National, Principal Life, the Preferred Product Network, and Principal Securities are members of the Principal Financial Group®, Des Moines, IA 50392. Rick J. Dhabalt and Gregory V. Cismoski, Principal National and Principal Life Financial Representatives, Principal Securities Registered Representatives, Investment Adviser Representatives. DC Retirement Strategies is not an affiliate of any company of the Principal Financial Group®.

Principal Life maintains certificates of authority to transact insurance in all 50 states. Principal Life NAIC identification number is 61271. Principal National NAIC identification number is 71161.