Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Dechtman does not serve as an attorney, accountant, or insurance agent. Dechtman does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of Dechtman’s representatives, in their separate licensed individual capacities, can be engaged to provide insurance sales/services as described on Dechtman’s written disclosure Brochure (a copy of which is linked to this web site) per the terms and conditions of a separate engagement and fee.