First, thanks for writing this post. Second, if it's not too much work, can you explain the piggyback exemption? I saw that in the .pdf and wondered what that mean. I've been searching online but am having difficulty finding an explanation. Thanks for whatever you can provide.
Everything I post is purely my opinion. I am not here to give advice or manage finances for anyone other than myself. Please do your own due diligence when considering investing or divesting yourself of any existing investment.