Disclaimer Mr. Sudhanshu Jain (a.k.a. Sid Jain), MS Economics, is an Independent Broker and a Real Estate Investment, Financial Planning and Employee Benefits Professional. Securities, Investments and Variable Products, including Mutual Funds, offered to California residents (for other states please call us first, so we can make arrangements to enable a potential securities or real estate transaction), through Lightpath Capital, Inc.,1453 THIRD STREET PROMENADE SUTIE 315 LOS ANGELES, CA 90401, Member FINRA, SIPC. 1031 DST & Real Estate Commercial Office, Apartments, Shopping Centers, Storage, Industrial, Student, Senior housing, Memory Care, Medical Office and Retail offered. Life, disability, variable contracts license# 0828966. Real Estate Salesperson's license# 01493874. Residential, refinance, commercial, construction, land loans offered through multiple Lenders.As part of our full and fair disclosure, we have to say that useful links are provided as a matter of service and providing customers with additional information or tools for Independent Research. We do not give any warranty or guarantees, as to the performance of these websites or companies, in any way. The customer or person(s)or "user(s)" accept(s) full responsibility and agrees to exercise their own prudent judgement, in using any other companies or information provided via these links. Referral or Marketing or click fees may or may not be paid to MONEYMALLUSA Corporation, for providing these links. We consider these links as Educational tools and Services or Products delivery medium in one place, such as this website. We also encourage people using our site to educate themselves and do independent research, before doing business with this or any company. Terms of service and use: Clients and prospective customers (also referred to as visitors to this website and subsequently referred to as "users"), are seen by appointment only. Customers are seen in Bay area, California, USA locations currently. California Residents served currently. For all other locations, referrals will be provided, whenever possible. Registered Representative(s), Financial Planner(s), Financial Services Representative(s), Estate Planning Attorney(s), Accountant(s), Employee Benefits/401(k) Broker and Insurance Professional(s) are available for consultation, if and when available, both off-site or on-site. They may work for a fee only, fee and commission basis or commission only. Some referral fees may be accepted or paid (for securities products, a referral fee, if any, may be paid to an appropriately FINRA licensed or Investment Adviser Representative only, via their FINRA and SEC licensed Broker-Dealer, Investment Advisor Firm). The entire content of this "Disclaimer" on this "Welcome" or "Home" page applies to all pages or content on this entire website or affiliated services, even if specifically not mentioned, on each and every content page(s) of this website or affiliated services. Liability Limitation: All visitors to this website including potential or future customers agree (referred to as "users"), that the Service provided is as is and on an as available basis, and may be temporarily unavailable due to conditions of the Internet or file servers. The "user" agrees that MoneyMallUSA Corp. or its Board of Directors and Officers, employees or representatives (all related parties) are not responsible for any claims or losses of any nature, including any punitive or consequential damages relating to financial advice, insurance or investment purchases, sales or service. "User" agrees that MoneyMallUSA Corp. (or Mr. Sudhanshu Jain and all related parties) is not responsible for any content on this website and disclaims all liability in connection with the operation and content of this website or the Online Financial Planning and Customer Relationship Management Technology and compliance with applicable law and company policies. The information provided via this software or calculators is to assist you in planning for your future. Any analysis is a result of the information you have provided. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice. Any rate of return entered into the interactive calculator(s) to project future values should be a reasonable average return for the period. Rates of return will vary over time, and generally the higher the rate of return the higher the degree of risk. Mutual funds or securities in general are not FDIC Insured and may lose value, including possible loss of original and subsequent amount(s) invested. This information may answer some of your questions, but it is not intended as a comprehensive analysis of the topic. Periodically, MoneyMallUSA Corp. (or Mr. Sudhanshu Jain and all related parties) provides information to clients in the area of planning. By providing this service, the user (or customer) shall not infer that MoneyMallUSA Corp. (or Mr. Sudhanshu Jain and all related parties) assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information. Competent tax and legal advice should always be obtained. If the city, state or country of residence of the "user" does not permit the legal operation , use or legal access to this website and information and products contained herein, then such "user" or "user(s)" are prohibited from accessing this website (including all information and products contained herein). We also reserve the right to discontinue, change, amend, add or delete this website or its contents, at any time. The final contract for any product is between the Financial Product Provider, such as the Insurance or Investment company and the customer. Copyright and Limitations on Use: The content furnished is the property of MoneyMallUSA Corp. or its licensors or its web design firm and is protected by copyright and other intellectual property laws. Content includes, for example, research and newsletter articles, calculators, and other items displayed on the site. "User" agrees not to reproduce, reverse engineer, retransmit, distribute, disseminate, sell, publish, broadcast, or circulate the content received to anyone, including but not limited to others in the same company or organization, without express prior written consent, except "users" as defined earlier, to whom this site can be referred. Generally, financial Services or product recommendations are tailor made to the unique needs of each client. As such, generic advice or information can best be obtained from public websites, such as this one or Money Magazine, Smart Money Magazine & Smart Money University, Metlife Financial Services & Free Life Advice Brochures, Quicken-Financial Calculators and Software packages, Morningstar-Famous Star Ranking System, Financial Engines- Portfolio Analysis Tools and Public Libraries. Another great website for investor information is Financial Industry Regulatory Authority at www.finra.org. College for Financial Planning also offers Certified Financial Planner courses. Golden Gate University, SFO, CA and National University also offer Courses in Financial Planning. Typically, for individual advice, a licensed Financial Services Professional, Accountant or Attorney is recommended. A face to face meeting is generally recommended with the above Professionals for best results. Please call 408-836-3858 and ask for Mr. Sid Jain.