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Student Loan Wage Garnishment Could Return After 5-Year Pause — 15% of Paychecks at Risk

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Student Loan Wage Garnishment Could Return After 5-Year Pause — 15% of Paychecks at Risk

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If you thought that chapter of your financial life was closed, think again. After a nearly five‑year hiatus triggered by the pandemic, the federal government is toying with the idea of restarting wage garnishment for people with defaulted student loans — and this time the stakes feel real.

Imagine opening your paycheck and seeing up to 15% of your hard‑earned money vanish before you even blink. That’s what millions of borrowers could be facing in 2026, and yes — this affects real people with real paychecks. But before you panic or scroll past, stick with me: our article will break down what could be happening, why it’s happening, and what options you might have if you’re looking at that garnishment notice.

Why Wage Garnishment Is Back — Or Was Supposed To Be

For the first time since the pandemic, the Department of Education began sending out wage‑garnishment warning notices to borrowers in default — a signal that collections were about to restart. For nearly five years, federal student loan collections (including wage garnishment, tax refund offsets, and benefit seizures) were frozen to give borrowers breathing room.

But here’s the twist: after sending those notices, the government hit pause again. According to multiple January 2026 reports, the administration delayed the actual restart of wage garnishment while it finalizes new repayment rules and collection procedures. Borrowers are now in a kind of pre‑garnishment limbo — the warning letters went out, but the paycheck deductions haven’t begun yet.

That doesn’t mean you’re in the clear. The notices are real, the intent to restart collections is real, and borrowers with loans 270+ days past due are still the group being targeted for the next phase once the pause officially lifts.

What “15% of Your Paycheck” Will Look Like When Garnishment Actually Starts

Even though garnishment hasn’t resumed yet, the rules you’ll face once it does are unchanged. Federal law still allows the government to take up to 15% of your disposable pay. That means the amount left after mandatory tax withholdings.

If your take‑home pay is $1,000 per period, that could mean up to $150 disappearing before you ever see it. And while federal protections require that garnishment leave you with at least 30 times the federal minimum wage per week, that still doesn’t soften the blow for most households.

The bottom line: the garnishment mechanism is ready to go — it just hasn’t been switched back on yet. But that could change at any moment and when it does, millions will be on the hook.

Student Loan Wage Garnishment Could Return After 5-Year Pause — 15% of Paychecks at Risk

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Who’s at Risk — And Who’s Safe (For Now)

No one is currently having wages garnished, but borrowers in default are on the front line once the restart date is finalized.

You’re at risk if:

  • Your federal loans are in default (270+ days past due)
  • You’ve received a pre‑garnishment notice
  • You haven’t responded to outreach from your servicer

You’re safe for now if:

  • You’re in good standing
  • You’re on an income‑driven repayment plan
  • You’re actively communicating with your servicer
  • You’re in the process of consolidating or rehabilitating your loans

And remember: the law requires the government to send formal notice before any garnishment begins — which is exactly what happened in early 2026. The only reason garnishment hasn’t resumed is because the administration temporarily delayed the final step.

Real‑Life Strategies to Dodge the Garnishment Bullet

If you’re staring down the possibility of having money taken straight from your paycheck, there are concrete steps you can take now.

Check your default status: Log into your federal student aid account or contact your servicer to see exactly where you stand. Knowing is half the battle.

Get current or consolidate: If your loans are in default, you may be able to bring them back into good standing through consolidation or rehabilitation programs — which can stop garnishment in its tracks if you act promptly.

Explore income‑driven repayment plans: These can lower your monthly payment amounts and reduce the odds of default in the future.

Respond to notices immediately: Ignore the letter, and you’re basically handing over 15% of your paycheck. Make sure that you respond quickly to avoid that outcome.

Why This Matters Even During the Delay

Even though garnishment hasn’t restarted yet, the warning letters signal a major shift in federal policy. After years of leniency, the government is preparing to re‑activate the full collections system — wage garnishment, tax refund offsets, and benefit reductions.

Millions of borrowers are behind on payments, and the government is clearly moving toward a stricter enforcement phase. The delay doesn’t erase the intent — it just buys borrowers a little more time to act before the 15% paycheck hit becomes real.

Your Money, Your Move — Navigate It Smartly

Whether you’d be directly affected by wage garnishment or you’d watch someone you care about navigate the maze, this potential policy shift underscores one truth: you don’t have to be passive about your loans. Engage with your servicer, explore repayment options, and take action before that garnishment notice turns into a payday surprise.

What part of the possible return of wage garnishment worries you most — the financial impact, the notice process, or the broader policy change? Share your thoughts in the comments!

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The 48-Hour Debt Collection Rule: How New Laws Let Lenders Freeze Accounts Faster in 2026

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The 48-Hour Debt Collection Rule: How New Laws Let Lenders Freeze Accounts Faster in 2026

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Imagine waking up one morning, sipping your coffee, and checking your bank account—only to find your funds frozen. No warning, no gradual process, just an instant freeze. It sounds like a plot twist from a thriller, but in 2026, this scenario has become a real-life possibility for borrowers under the new 48-hour debt collection rule.

This law allows lenders to act faster than ever before, and both consumers and financial institutions are adjusting to a new normal where speed and immediacy reign supreme. Understanding this rule is critical if you want to stay ahead of potential account freezes and manage your finances wisely.

What The 48-Hour Debt Collection Rule Means For Consumers

The 48-hour debt collection rule allows lenders to freeze a borrower’s account within just two days of identifying a default or overdue payment. This is a significant acceleration from previous regulations, where collections often took weeks or months to initiate. For consumers, this means that awareness and vigilance are more important than ever. Checking account balances regularly, setting up alerts, and maintaining clear communication with lenders can make a huge difference. It also emphasizes the importance of understanding the terms of any loan or credit agreement before signing.

Not all debts are subject to the same rules, so knowing which accounts could be frozen in 48 hours is key. While it may feel alarming, this rule is designed to streamline debt recovery and reduce the lag time that historically caused losses for lenders.

How Lenders Are Preparing For Rapid Account Freezes

Banks and lending institutions are revamping their internal processes to comply with the 48-hour rule. Advanced software and automated monitoring systems are being implemented to identify overdue accounts instantly. These systems track payment histories, detect missed deadlines, and flag accounts for immediate action. Lenders argue that this technology helps prevent bad debt from escalating and ensures that they can protect their financial stability. Staff training is also essential, as employees need to navigate the legal requirements of freezing accounts without violating consumer rights. Transparency is a growing focus—lenders must provide clear notices and proper documentation before executing account freezes, even with the compressed timeline. The 48-hour rule isn’t just a tool for speed; it’s a catalyst for modernization in debt collection practices.

Legal Protections And Obligations For Borrowers

Even with rapid action allowed by the 48-hour rule, borrowers still have legal protections. The law mandates that lenders provide detailed notices explaining why an account is being frozen and how the borrower can respond. Borrowers typically have the right to contest the freeze if there is evidence of an error or dispute regarding the debt. Understanding these rights is crucial to avoiding unnecessary financial disruption. Legal experts advise keeping all loan agreements, billing statements, and communication records organized. This documentation can be invaluable if you need to challenge a freeze or negotiate a payment plan. Additionally, certain types of accounts, like retirement funds or government benefits, may be exempt from immediate freezes, offering some financial safety nets. The balance between lender efficiency and borrower protection is central to the law’s design.

The 48-Hour Debt Collection Rule: How New Laws Let Lenders Freeze Accounts Faster in 2026

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Tips For Avoiding A 48-Hour Account Freeze

The fastest way to avoid a 48-hour account freeze is proactive financial management. Paying bills on time, setting automatic payments, and monitoring account activity can help you stay ahead of potential issues. Communication with your lender is key; if you anticipate a late payment, reaching out early can often prevent an immediate freeze. Keeping emergency funds in a separate account can also provide a buffer if one account becomes temporarily inaccessible. Financial advisors recommend regularly reviewing credit reports and staying informed about changes in debt collection laws, which can vary by state or type of loan.

Awareness, preparation, and organization can turn what feels like a threat into manageable financial strategy. This approach ensures you’re not caught off guard by sudden freezes and maintain control over your money.

The Impact On Businesses And The Economy

Businesses are feeling the ripple effects of the 48-hour rule as well. Companies that extend credit to clients or manage large accounts receivable are adjusting to faster collections timelines. Small businesses in particular may face immediate cash flow challenges if client accounts are frozen without warning. On the flip side, lenders see this rule as a tool to reduce risk and improve overall financial efficiency.

Economists note that faster debt recovery could streamline economic activity, reducing prolonged disputes and unpaid debts that can drag down markets. However, the rule also raises concerns about potential overreach or errors that could impact consumer trust. Both business owners and individuals are learning that rapid debt enforcement requires heightened diligence and financial discipline.

Looking Ahead: The Future Of Debt Collection

The 48-hour debt collection rule represents a broader trend toward automation and speed in financial services. As technology continues to evolve, we may see even faster methods for detecting defaults and enforcing payments, including AI-driven monitoring and real-time account analytics. Policymakers are balancing these technological advancements with consumer protections to prevent abuses.

For borrowers, staying informed and maintaining healthy financial habits will remain critical. The rule also encourages lenders to prioritize clear communication, transparency, and fairness. The landscape of debt collection is changing quickly, but understanding these laws allows consumers and businesses alike to navigate it with confidence.

What Do You Think About The 48-Hour Rule?

The 48-hour debt collection rule is shaking up the financial world, speeding up account freezes, and demanding new levels of awareness from consumers and businesses alike. Whether it feels empowering or alarming, one thing is clear: staying informed, organized, and proactive is the best strategy.

Have you or someone you know experienced an account freeze under these new laws? How did you handle it? Drop your thoughts or experiences in the comments below—we’d love to hear from you.

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Could Ignoring Medical Debt Destroy Your Financial Future

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medical bills

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Medical bills are a fact of life for many Americans. Whether it’s an unexpected emergency or a scheduled procedure, the cost can be overwhelming. Some people set bills aside, hoping they’ll go away or become less urgent over time. But ignoring medical debt can seriously impact your financial future. The consequences reach far beyond annoying collection calls. If you’re tempted to put those bills on the back burner, it’s important to understand the risks. Let’s explore how medical debt can shape your financial well-being and what you can do to protect yourself.

1. Medical Debt Can Damage Your Credit Score

Your credit score is one of the most important numbers in your financial life. When you ignore medical debt, unpaid bills may eventually be sent to collections. Once that happens, the collection account can show up on your credit report. Even if you pay off the debt later, the damage to your credit score may linger for years.

A lower credit score makes it harder to qualify for loans, credit cards, or even a mortgage. You might have to pay higher interest rates or provide larger down payments. In some cases, landlords or employers might check your credit as part of their screening process. All of this can add up to thousands of dollars lost over time, just because of ignored medical debt.

2. Collection Agencies Can Make Life Miserable

When medical bills go unpaid, healthcare providers often sell them to collection agencies. These companies specialize in getting people to pay up. They might call you repeatedly, send letters, or even show up at your door. Collection agencies are known for being persistent and sometimes aggressive.

Beyond being a headache, these calls can feel overwhelming and stressful. Some people avoid answering their phones or opening their mail, which can lead to missing important information about other bills or deadlines. While there are laws that protect you from harassment, dealing with collections is never pleasant. It’s far better to address medical debt early, before it gets to this point.

3. Interest and Fees Add Up Quickly

Many people don’t realize that medical debt can quickly grow if ignored. Some providers charge interest or late fees on unpaid balances. Over time, a small bill can balloon into something much harder to handle. The longer you wait, the more you might owe, making it even more difficult to pay off.

Even if your original bill was manageable, adding fees and interest can push your finances over the edge. This is why it’s important to address medical debt as soon as possible. Setting up a payment plan or negotiating with the provider can help you avoid extra costs and keep the debt from spiraling out of control.

4. Legal Action Is a Real Possibility

If you ignore medical debt long enough, you could end up in court. Healthcare providers and collection agencies sometimes sue patients to recover unpaid bills. If they win, the court could order wage garnishment or put a lien on your property. This can make it even harder to get back on your feet financially.

Legal action is stressful, time-consuming, and expensive. Court judgments can also stay on your credit report for years, making it difficult to recover financially. To avoid this, it’s best to communicate with your healthcare providers and try to work out a solution before things escalate.

5. Ignoring Medical Debt Limits Your Options

When you have outstanding medical debt, your financial flexibility shrinks. You might be unable to refinance a loan, qualify for new credit, or take advantage of financial opportunities. Even if you want to move, rent a new apartment, or switch jobs, medical debt on your record can hold you back.

Some lenders and landlords see unpaid medical bills as a red flag. They may worry that you’re not responsible with money, which can make them less willing to work with you. If you’re looking for ways to improve your financial situation, addressing medical debt is an important first step.

How to Take Control of Your Medical Debt

If you’re dealing with medical debt, you’re not alone. Millions of people face the same challenges. The good news is that there are practical steps you can take to regain control of your finances. Start by reviewing your medical bills for errors. Mistakes happen, and you shouldn’t pay for services you didn’t receive. If the bill is correct, contact your provider to ask about payment plans or financial assistance programs. Many hospitals and clinics offer options for people struggling with medical debt.

Don’t ignore calls or letters from collection agencies. Instead, know your rights when dealing with debt collectors and keep records of all communication. By facing medical debt head-on, you can protect your financial future and reduce stress. Remember, taking action now can help you avoid bigger problems down the road.

Have you ever struggled with medical debt? What steps did you take to address it, and how did it affect your financial future? Share your experiences in the comments below!

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How Can Small Debt Collectors Wreck Credit for Years

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It’s easy to think that only big debts or major collection agencies can damage your credit score. But the reality is that even small debt collectors can leave a lasting mark on your financial life. Whether it’s an old medical bill, a forgotten utility payment, or a minor retail debt, these smaller collections can quietly chip away at your credit for years. Understanding how small debt collectors operate—and the outsized effect they can have—is key to protecting your credit score. If you’ve ever wondered why a tiny, forgotten debt keeps haunting your credit report, you’re not alone. Let’s look at how small debt collectors can wreck credit for years and what you can do to fight back.

1. Reporting to Credit Bureaus—No Matter the Amount

Many people assume that only large unpaid debts get reported to credit bureaus. That’s not true. Small debt collectors often report even the tiniest unpaid balances—sometimes just a few dollars. Once a collection account appears on your credit report, it can drag down your score for up to seven years, even after you pay it off.

This means a single overlooked bill, passed to a small collector, can have the same long-term impact as a much larger debt. The size of the collection doesn’t matter to the credit scoring models. What matters is that it went to collections in the first place. That’s why small debts can do outsized damage to your credit score and linger much longer than you’d expect.

2. Persistent Collection Efforts and Re-aging

Small debt collectors often buy portfolios of old, low-value debts for pennies on the dollar. Their business model relies on persistence. They may call, email, or send letters for years, hoping you’ll pay just to make them go away. But here’s the kicker: some collectors may try to “re-age” the debt.

Re-aging occurs when a collector updates the last activity date on a debt, making it appear newer than it actually is. While this practice is illegal unless you actually make a payment or a new agreement, it still happens. When this occurs, the collection can stay on your credit report even longer, causing more damage. This is one way small debt collectors can wreck credit for years, long after you thought the debt was gone.

3. Medical and Utility Debts Are Prime Targets

Medical bills and utility debts are among the most common types of small debts sent to collections. Maybe you moved and didn’t get a final bill, or insurance didn’t cover a small medical expense. These small balances can slip through the cracks. Once they’re handed over to a collection agency, they’re reported just like any other debt.

Even if you pay the original creditor, the fact that it went to collections may still show up on your credit report. Some small debt collectors may not update the bureaus promptly, either, leaving paid debts marked as unpaid. This confusion can make it harder to recover your credit score and can keep your report looking worse than it should for years.

4. Impact on Future Credit and Loan Approvals

Any collection account, big or small, can make it harder to get approved for a loan, credit card, or mortgage. Lenders see collections as a major red flag, regardless of the amount. Even if your collection is only $50, it signals to lenders that you might be a risky borrower.

This can mean higher interest rates, lower credit limits, or outright denials. In some cases, landlords and employers check credit reports too. A small debt in collections could cost you an apartment or even a job. This is another way small debt collectors can wreck credit for years, limiting your options long after the debt itself is gone.

5. Difficulty Disputing Small Debts

It’s often harder to dispute a small debt than a large one. Some small debt collectors may have incomplete or inaccurate records. But getting them to remove a collection from your credit report can be a long, frustrating process.

They may not respond promptly to disputes, or they might provide minimal documentation. Meanwhile, the collection stays on your report, dragging down your score. If you don’t monitor your credit regularly, you might not even notice the collection until you apply for new credit. By then, the damage is done, and fixing it can take months or even years.

Protecting Yourself from Small Debt Collectors

Staying on top of your finances—especially small, easy-to-forget bills—is the best way to avoid surprises from small debt collectors. Set up reminders for recurring bills, check your mail and email for statements, and review your credit report at least once a year. You’re entitled to a free report from each bureau every year at AnnualCreditReport.com.

If you do find a small debt in collections, act quickly. Validate the debt and dispute any errors. Don’t ignore collection letters or calls. Sometimes, collectors may be willing to negotiate a “pay for delete” agreement, where they remove the collection from your report in exchange for payment. Always get these agreements in writing before you pay.

If you feel a collector is violating your rights or reaging debts illegally, seek help. The Consumer Financial Protection Bureau offers resources and a complaint process you can use. Remember, even small debts deserve your attention, because small debt collectors can wreck credit for years if left unchecked.

Have you ever had a minor debt sent to collections? How did it affect your credit? Share your experience in the comments below!

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10 Financial Risks That Come From Ignoring Small Debts

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It’s easy to brush off a small credit card balance or a forgotten utility bill. After all, a few dollars here or there can seem harmless compared to bigger financial obligations. But ignoring small debts can quietly sabotage your financial health over time. The risks don’t just stop at annoying late fees; they can ripple into bigger issues that affect your credit, stress levels, and even your ability to borrow money in the future.

Many people believe that small debts aren’t worth worrying about. The reality is that these little amounts can snowball into larger problems if left unchecked. Understanding the financial risks associated with ignoring small debts is crucial for anyone hoping to achieve financial stability. Let’s look at ten specific dangers that can arise from letting those small balances linger.

1. Credit Score Damage

One of the most immediate risks of ignoring small debts is damage to your credit score. Even a minor unpaid bill can be reported to the credit bureaus if it’s left unpaid for too long. Payment history is a major factor in your credit score calculation, so missing even a single small payment can have a negative impact. Over time, this can make it harder and more expensive to borrow money when you really need it.

2. Accumulation of Interest and Fees

Small debts are often subject to interest charges and late fees. If you ignore them, these additional costs can quickly add up—sometimes even doubling or tripling the original debt. What starts as a $20 balance could balloon to $60 or more in a matter of months. This accumulation not only wastes money but also makes it harder to pay off the debt later.

3. Increased Stress and Anxiety

Financial stress isn’t just reserved for large debts. Knowing you have unpaid bills, no matter how small, can create background anxiety. Over time, this low-level stress can affect your sleep, concentration, and overall well-being. Ignoring small debts might seem like a way to avoid stress, but it often has the opposite effect.

4. Collection Agency Contact

Unpaid small debts can eventually be sent to collections. Once that happens, you may start receiving calls or letters from debt collectors, which can be both stressful and embarrassing. Having a debt in collections is also a big red flag on your credit report and can be much harder to resolve than dealing with the original creditor.

5. Limited Access to Credit

When small debts go unpaid and show up on your credit report, lenders may see you as a higher risk. This can limit your access to new credit cards, loans, or even rental agreements. If you do get approved, you’ll likely face higher interest rates and less favorable terms. Ignoring small debts can close doors to financial opportunities you may need in the future.

6. Difficulty Building an Emergency Fund

Paying off small debts may seem insignificant, but every dollar you pay in interest or fees is a dollar you can’t save. Over time, these unnecessary expenses can eat into your ability to build an emergency fund. Without savings to fall back on, you’re more vulnerable to unexpected expenses and financial setbacks.

7. Negative Impact on Relationships

Money issues are a common source of tension in relationships. If a partner or family member discovers you’ve been ignoring small debts, it can lead to arguments and mistrust. This is especially true if you share finances or are working together toward a financial goal. Being proactive about small debts helps build trust and reduces the risk of conflict.

8. Missed Opportunities for Financial Growth

Every month you pay interest or late fees on small debts is a month you’re not using that money for something better. Whether it’s investing, saving for retirement, or taking a class to advance your career, these missed opportunities can add up. Managing small debts efficiently frees up resources for your long-term financial growth.

9. Legal Consequences

In some cases, ignoring small debts can lead to legal action. Creditors may take you to court to recover what you owe, even if the amount is small. This could result in wage garnishment or a court judgment, which can be both costly and damaging to your financial reputation. It’s always better to address small debts before they escalate to this level.

10. Difficulty Achieving Financial Goals

The cumulative effect of ignoring small debts can make it much harder to achieve important financial goals. Whether you’re hoping to buy a home, start a business, or simply achieve peace of mind, lingering debts can slow your progress. Staying on top of small debts is a simple yet powerful way to keep your financial plans on track.

Take Control of Your Small Debts for a Healthier Financial Future

Ignoring small debts can create a cascade of problems that undermine your financial stability. By addressing these balances promptly, you protect your credit score, reduce stress, and open up opportunities for financial growth. The risks of ignoring small debts are real, but they’re also avoidable with a bit of attention and planning.

If you’re struggling with small debts, consider using a budgeting tool or reaching out to a financial advisor for help. Stay proactive, and your future self will thank you.

Have you ever dealt with the consequences of ignoring small debts? Share your experience or tips in the comments below!

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Here Is What To Do If You Have Debt In Arrears

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This article is a response to a reader’s question about paying off debt on an irregular income. They write:

Can you advise me how to manage to settle my absa loan & credit card because they are in arrears

At my work I earn with commission , sometimes I didn’t earn.

Here is my answer:

Being in debt is a challenge. It takes away money you could use for more productive things. It’s even more difficult when you’ve missed payments and your debt is now in collections. If that’s you, here are some tips to help you settle your debt that’s in arrears.

Pay down debt

Utilize some debt repayment strategies.

Debt snowball – pay your smallest balance first while making minimum payments to your other debts. When you pay off your smallest balance, move on to the next smallest balance. As you get rid of debts, you’ll be able to make larger payments to the following debt.

Debt avalanche – pay your highest interest rate first. Similar strategy as the “snowball”. Once your highest interest rate debt is eliminated, pay as much as you can towards the debt with the next highest interest rate.

Use retirement funds to pay off your debt. You’ll likely, depending on your age, pay a 10% tax penalty, however (if you’re under 59 1/2). Do you have any cash accumulated in a whole life insurance policy? Use that cash value to pay off your debts

Negotiate

How much, in terms of dollars, can you pay to your creditors as a settlement? Figure out what that number is before you start contacting creditors.

It may take a couple of phone calls, so don’t get discouraged. If you don’t like what you’re hearing from the representative you’re talking to, try and get a hold of a different one. Remember the dollar amount you can pay and don’t go over that amount. If you can pay 50% of what you owe, start with an offer to pay 30%. The creditor will counteroffer and hopefully, the agreed amount is 50% or lower.

Make sure you’re clearly communicating the financial hardship you’re experiencing that put you behind on your debts. Getting sympathy from a representative could help you! Get any settlement or repayment plan in writing as soon as possible.

Make sure you’re speaking to your creditors, not collections agencies. Collections agencies will take a settlement amount and sell whatever is left to another agency. Before you’ll know it, they’ll be after you again. Speak to the creditor you initially owed. Also, be prepared to pay taxes on the forgiven amount.

Bankruptcy

Nobody likes to think about it and it would be a very difficult decision, but it might be one to strongly consider if you want to settle your debt.

If you don’t have luck with negotiations, you might have to consider bankruptcy. There are generally two options – Chapter 7 and Chapter 13. Chapter 7 clears all of your debts. Chapter 13 is more of a reorganization.

Check credit reports

Clarify with the credit reporting agencies how things were settled. Clean up the report and it could help your score a little. Late payments and charge-offs stay on your credit report for 7 years. Debts in collections stay on your credit report for 180 days.

Debt settlement is about commitment. There are penalties if you miss ONE payment of your agreed-upon settlement, so don’t miss!

One more thing. Know your rights. There are several things collectors can’t do:

  • They can’t threaten you
  • They can’t shame you
  • They can’t force you to repay your debt
  • They can’t falsify their identity to trick you
  • They can’t harass you

It’s a tough road, but getting out of debt is paramount for your psyche and your financial success. Utilize strategies to pay down debt. Speak with your creditors about negotiating. If negotiation doesn’t work, consider bankruptcy. Once you settle your debt, review your credit report and dispute errors.

Related reading:

What you need to know about bankruptcy

Diving deep into debt

How to improve your finances on a low income

What to do about debt collectors

Disclaimer:

**Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Please see the website for full disclosures: www.crgfinancialservices.com