Amazon Prime Annual vs Monthly US 2026: When Is It Worth the Spend?

Updated: October 2026

The annual Amazon Prime plan is worth it for most US households, and for what you buy at Walmart or Target you can go through ShopBack before you pay, where ShopBack Cashback works like a discount, only easier than a promo code.

Primary sources referenced: Amazon Prime signup, Amazon Prime household sharing, Amazon Subscribe & Save, Whole Foods Market Prime member benefits, and Amazon Prime Day.

The annual Amazon Prime plan is worth it for most US households, so keep it, then buy what you move off Amazon at Walmart or Target through ShopBack before you pay, where ShopBack Cashback works like a discount, only easier than a promo code. Many households keep paying for Amazon Prime but are never quite sure whether the annual plan saves real money or whether monthly would be cheaper for how you actually shop. The honest question is simpler than it feels: at what level of household usage does Prime stop being a convenience tax and start paying you back? Whichever way you land, one fact shapes the Cashback side: Amazon is not a ShopBack US merchant at the moment, so the Cashback lever in this comparison sits on the Walmart and Target side, and you go through ShopBack before you pay when you buy there.

The verdict

For most US suburban households in 2026, the annual Amazon Prime plan is worth it. The break-even threshold is low: a household that orders roughly 1.5 packages per month, watches Prime Video as a primary streamer, shops Whole Foods or Amazon Fresh weekly, or runs a handful of Subscribe & Save items will almost always recover the annual fee in saved shipping, streaming substitution, and grocery discounts. Two-adult households share a single membership, which roughly halves the per-person cost. Monthly Prime is only the right call for short-term spikes, a holiday shopping window, a move, a renovation, or extending a trial by one month. For everyone else, paying month by month leaves real money on the table because monthly stacked across 12 months runs meaningfully more than the annual fee. Refer to the current Amazon Prime annual fee on Amazon's signup page (Amazon Prime) for the exact dollar amount, since pricing tiers update periodically.

💡 Already decided to keep Prime? Amazon is not a ShopBack US merchant at the moment, so the Prime basket itself earns no ShopBack Cashback right now. For the staples you split off, go through ShopBack Walmart before you pay so those orders earn Cashback.

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Which store to buy the household basket from: Amazon vs Walmart vs Target vs Costco

Whether Prime is worth it depends partly on what the alternatives cost you, so the fair comparison is store by store, not Prime versus nothing. The honest answer depends on the basket: Amazon wins on breadth and Subscribe & Save, Walmart on grocery and price-matched staples without a fee, Target on household and kids, Costco on bulk when you already pay for the card.

Pick	Best for	When it is cheapest	Cashback path
Amazon	Mixed baskets, Subscribe & Save consumables, Amazon devices, same-day in metro ZIPs	Prime member deal events (July and October), then Cyber Monday Nov 30	Not on ShopBack US right now, compare the price only
Walmart	Weekly grocery, paper goods, pet food, no membership needed for free pickup	Walmart's October deal events, then Black Friday week	Activate ShopBack, then shop Walmart
Target	Household staples with Target Circle offers, kids and baby, back-to-school refills	Target Circle Week in October, then Nov 27 to 30	Activate ShopBack, then shop Target
Costco	Bulk paper, detergent, formula, cat litter when you already hold a membership	Monthly member coupon book, with November as the deepest	Activate ShopBack, then shop Costco

Price Amazon, Walmart, Target and Costco on your actual basket, then buy from whichever wins after membership costs. Activate ShopBack first when the winner is Walmart, Target or Costco; Amazon is not on ShopBack US right now, so compare its price only.

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Numbers at a glance

Metric	Value	Notes
Break-even order volume	1.5 packages/month	Roughly 18 packages/year on shipping alone
Annual value on active household	$400 to $700	Combined shipping + streaming + grocery + subscription
Annual value on light household	$60 to $150	Shipping-only lens for infrequent orderers
Family share limit	2 adults + 4 teens	One Prime household, shared benefits
Amazon Fresh delivery	Free above an order minimum	Prime-only in eligible ZIPs; check the current threshold
Whole Foods member discount	10% off yellow-tag items	Prime member, in-store or delivery
Subscribe & Save tier discount	5% base, 15% at 5+ items	Applied per recurring delivery
Prime Day event windows	July and October	Members-only, a few days each
Prime Video 4K support	Included on eligible titles	No extra tier fee
Annual paid up front	Locks in current fee for 12 months	Simplest way to hedge against mid-year price increases

Annual fee, monthly fee, and specific benefit terms are set by Amazon and change periodically; verify on Amazon's Prime signup page before committing.

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The three questions that decide it

The annual versus monthly question is really three questions stacked together. The first is shipping economics: how much would the same household pay in shipping if Prime did not exist? Non-Prime accounts qualify for free shipping on Amazon orders above a minimum threshold (the threshold varies and has shifted upward in recent years), and orders under that threshold pay per-package shipping. For a household that places 18-24 orders per year, the implicit shipping cost without Prime almost always exceeds the annual fee on its own.

The second is streaming substitution. Prime Video is bundled with the membership. If the household uses Prime Video as one of its two or three primary streamers, the implicit value of that bundling is real, somewhere between $80 and $150 per year, depending on what tier of streaming it replaces. This is a hedge against cancelling an unrelated streaming subscription, not a literal cash refund.

The third is the grocery and consumables layer: Whole Foods member discounts, Amazon Fresh delivery on eligible orders, and Subscribe & Save tier discounts on household staples. For a family running 5+ subscription items, the discount layer alone can offset a significant fraction of the annual fee.

Monthly Prime, by contrast, is priced for flexibility. The premium you pay for that flexibility only makes sense if your usage is genuinely seasonal. Many households think their usage is seasonal, but once Prime is active, ordering often stays steady all year.

Shop the alternatives to Prime through ShopBack: Target · Walmart · Costco

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What each Prime benefit is really worth

Prime Benefit	What It Includes	Approximate Annual Value	Notes
Free 1-2 day shipping	Standard on Prime-eligible items in most metros	$60-$180/year	Depends on order volume; replaces per-order shipping fees
Same-day or 2-hour delivery	In eligible ZIPs, on eligible items	$20-$80/year	Geographic. Strongest in dense suburbs and metros
Prime Video	Bundled streaming, Prime-exclusive titles	$80-$150/year	Value depends on whether it replaces a paid streamer
Prime Music	Ad-free streaming, large catalog	$30-$60/year	Lower than dedicated music subscriptions, still real
Whole Foods discounts	Member-only weekly deals, additional 10% on yellow tags	$60-$300/year	Highest value for weekly Whole Foods shoppers
Amazon Fresh delivery	Free delivery on eligible orders over threshold	$40-$120/year	Strongest in metros and inner suburbs
Subscribe & Save tier discount	5-15% off when bundling eligible items (varies)	$50-$200/year	Hedge: exact tier discounts vary by category
Prime Day exclusive access	Two annual events, members-only pricing	$30-$150/year	Highly variable, depends on planned purchases
Prime Reading	Rotating selection of e-books and magazines	$0-$40/year	Modest value unless you read on Kindle frequently
Prime Gaming	Free games and in-game content monthly	$0-$60/year	Real value only if household has a gamer
Photos (unlimited)	Full-resolution photo backup	$30-$80/year	Replaces a paid cloud photo plan if used
Buy with Prime	Prime shipping on participating non-Amazon sites	$10-$60/year	Newer benefit, depends on shopping pattern
Family share	Add a second adult and teens to the household	Roughly halves per-adult cost	Two adults split benefits at no extra fee

The numbers show that the combined annual value of Prime benefits for a moderately active suburban household lands well above the annual fee, even if you discount any individual line item heavily. The question is whether the household actually uses 3-4 of these categories or just one.

Route the substitutes and add-ons through ShopBack: Walmart · Target · Chewy

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Find your household profile

Use the Break-Even Profile Test. Identify which household profile you fit, then check whether your usage of just 2-3 named benefits already covers the annual fee. If yes, take the annual plan. If no, monthly is the safer hedge.

Household Profile	Recommended Plan	Why
2-adult suburban, 2+ packages/month, weekly Whole Foods, 1+ streamer slot for Prime Video	Annual Prime	Shipping + grocery + streaming each pay for a third of the fee, easy net positive
2-adult suburban, occasional Amazon orders (4-8/year), no Prime Video usage, no Whole Foods	Monthly Prime during holiday months only	Annual fee not justified without sustained usage
Family with kids, 3+ Subscribe & Save items (diapers, formula, paper goods), regular ordering	Annual Prime	Subscribe & Save tier discount + family share alone clears the fee
Single adult, urban or suburban, light Amazon use, primary streaming elsewhere	Monthly Prime	Pause it during non-shopping months, restart it before holidays
Suburban remote worker, frequent same-day grocery delivery, no in-store grocery	Annual Prime	Same-day Fresh + Whole Foods delivery is the single biggest line item
Empty nesters, light ordering, no streaming substitution needed	Monthly Prime	Annual fee outpaces real benefits used
New mover (renovation, baby, big move)	Monthly Prime for the spike, reassess at 6 months	High order volume short-term; convert to annual if it sticks
Heavy Prime Day shopper, plans 2+ big-ticket purchases per year	Annual Prime	Prime Day savings on planned purchases often cover the fee in one event

The test is deliberately profile-based, not order-count-based, because the value of Prime is multi-dimensional. A household that orders just 6 packages per year but shops Whole Foods every weekend still extracts more value than a household that orders 30 packages but never touches grocery or streaming.

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Running the numbers on real households

In practice, the annual versus monthly decision comes down to honesty about household behavior. Most households consistently underestimate their Amazon order volume because individual orders feel small and forgettable. A useful check: open your Amazon account, go to Orders, filter for the last 12 months, and count. Households that think they ordered "a few times" often find far more orders in the list. If you are past about 18 orders a year, the annual plan is almost mathematically guaranteed to pay back.

A concrete example: a suburban household of two adults places 24 Amazon orders per year (averaging 2 per month), watches Prime Video for roughly 6 hours per week, picks up Whole Foods groceries once a week using the member discount, and runs 4 Subscribe & Save items on paper goods and pet food. Without doing anything special, this household captures: shipping value ($120/year), streaming substitution ($120/year if it replaces a paid streamer slot), Whole Foods discount ($150/year on $80/week of qualifying items), and Subscribe & Save ($80/year on the consumables). That is roughly $470/year in extracted value. Even if you discount each line by half, the annual fee is recovered with margin to spare.

A second example: a single adult who orders 5 times per year, uses Prime Video occasionally, and never shops Whole Foods. The math here is different. Shipping value is maybe $30/year. Streaming is a wash because they would not pay separately for it. Whole Foods is zero. Subscribe & Save is zero. For this person, monthly Prime activated for November-December (holiday gifting) is the right call, total annual cost lower than the annual plan, with the benefits clustered when actually needed.

Worked example, back-to-school family basket. A family of four preparing for August back-to-school runs a mixed basket over two weeks: 24-pack of Bounty paper towels ($42), Crayola classroom supplies ($55), lunchbox and thermos set ($38), an Echo Show for the kitchen ($90), Roku streaming stick for a spare TV ($40), Subscribe & Save on Purina cat food and Persil detergent ($68 recurring), and Whole Foods weekly delivery ($95 basket). Total spend across the two-week window: about $428. Without Prime, this basket would spread across three or four orders and incur $18 to $32 in shipping fees plus a full-price Whole Foods delivery ($10). With Prime: shipping is free on Amazon items, Whole Foods delivery is free above the eligible threshold, Subscribe & Save tier discount applies ($8 saved on the recurring pair). The single two-week August window has already recovered roughly a fifth of the annual fee. Amazon is not a ShopBack US merchant at the moment, so this basket earns no ShopBack Cashback as routed; the Bounty, Crayola and lunchbox lines priced at Walmart or Target through ShopBack would.

Big-and-bulky deliveries also tilt the math toward annual. Items like 24-packs of paper towels, cat litter, baby formula, or large appliances would all incur meaningful shipping fees without Prime. A single big-and-bulky order can offset a month or two of the membership cost by itself.

The family share benefit is structurally underrated. Two adults sharing one Prime household means each adult is effectively paying half the fee while accessing the full benefit set. For a two-adult household, this is the single largest hidden lever in the value calculation.

Compare warehouse-club and mass-market alternatives through ShopBack: Costco · Sam's Club · Walmart · Target

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When this does NOT apply

• Households that order from Amazon fewer than once a month and have no streaming need: At that volume, the annual fee is not recoverable from shipping savings alone. Monthly Prime during the holiday season covers the spike, and the rest of the year you pay nothing.
• Households living far from Whole Foods, Amazon Fresh delivery zones, and same-day eligible ZIPs: Rural and exurban addresses see materially fewer of the geographic perks. Standard 1-2 day shipping still applies, but the grocery layer evaporates, and the value math shifts toward "only worth it if streaming + shipping is enough."
• Households that already have multiple streaming services they actively use: If Prime Video is the fifth streamer in your house and never gets opened, do not count its value. Strip it out of the math and re-check whether shipping and grocery alone justify the fee.
• Households planning to cancel Prime mid-year for any reason (moving abroad, downsizing spending, job change): Monthly is the safer commitment shape. Annual refunds are possible but partial and slow.
• Households on a structured warehouse-club shopping rhythm: If you already do a monthly warehouse club run for bulk goods, Subscribe & Save's value drops sharply on overlapping categories. The shipping and streaming layers may still justify Prime, but the grocery layer is largely doubled up.
• Free trial users in their first 30 days: If you are mid-trial, your decision point is at the trial-end date, not now. Use the trial to count your real order volume, then choose annual or monthly based on observed behavior, not predicted behavior. Free trial terms can change, so check the trial conditions at signup.

Go through ShopBack before you pay at the Prime alternatives: Target · Walmart · Costco

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Where Cashback fits

Cashback is the step after you have chosen the store, not a reason to keep or drop Prime. Once the profile test above has told you whether your basket belongs at Amazon on the annual plan, or spread across Walmart, Target and Costco without a Prime fee, go through ShopBack to Walmart, Target or Costco before you pay. Amazon is not a ShopBack US merchant at the moment, so compare its price but do not expect Cashback there. The live rate is shown on each merchant's ShopBack page and changes month to month, so check it on the day.

The purchases that sit around a Prime household are also ShopBack merchants. Pet food that does not fit Subscribe & Save routes through Chewy, bulk runs through Sam's Club as well as Costco, and the electronics you were saving Prime Day access for, like a TV or laptop in November, through Best Buy.

One caution: Cashback comes from ShopBack, and this article makes no claim about how it interacts with retailer loyalty points, card multipliers or store credit.

Related: compare paid memberships in Target Circle 360 vs Walmart+ vs Amazon Prime, and the two Prime sale events in Prime Big Deal Days vs Prime Day.

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Frequently asked questions

Is Amazon Prime annual cheaper than paying monthly?

Yes. Paying annually is typically 15-20% cheaper than 12 months of monthly fees stacked end to end. Households that already know they will keep Prime for the full year almost always save by switching to the annual plan. Monthly only beats annual if you genuinely use Prime for fewer than 9-10 months out of the year.

How many Amazon orders per month do I need to make Prime worth it?

Roughly 1.5 packages per month, or about 18 deliveries per year, is the break-even point on shipping alone for most suburban US households. Households that also use Prime Video as a main streamer, shop Whole Foods weekly, or run 3+ Subscribe & Save items typically break even at far lower order volume.

Does Subscribe & Save really save money?

Yes, on staples you would buy anyway. Subscribe & Save tier discounts vary, but bundling 5+ eligible items in the same delivery typically unlocks the higher discount tier on consumables like paper goods, pet food, coffee, and diapers. Per-unit prices should still be compared to warehouse club and big-box pricing, since not every category beats those alternatives.

Is Prime Video alone worth keeping Prime for?

For households that already pay for 2+ other streamers, Prime Video is often the cheapest per-hour streamer when you factor in the shipping and grocery perks that come bundled. As a standalone streaming service it is competitive but not category-leading, so the value comes from the bundle, not Prime Video on its own.

How does the Amazon Prime family share work, and is it worth using?

A second adult and up to four teens can be added to a Prime household at no extra fee. The two adults share shipping, Prime Video, and Subscribe & Save benefits, and any teens added see age-appropriate access. For any two-adult household, sharing is the default; there is no scenario where keeping two separate Prime accounts makes economic sense.

Do I lose Prime Day access if I'm on the monthly plan?

No. Monthly Prime members get full Prime Day access, identical to annual members, at both the summer Prime Day (typically July) and the second annual event (typically October). Ensure your monthly billing covers the Prime Day window if you plan to shop the event.

Can I pause my Prime membership instead of cancelling?

Amazon does not have a formal pause feature. The closest equivalent is letting monthly Prime lapse and reactivating before your next planned shopping spike. With the annual plan, you can cancel and request a partial refund based on unused months, but the refund mechanics are slower than simply not renewing.

Is the Amazon Prime student or discounted tier a better option for eligible members?

Yes if you qualify. Discounted Prime tiers (student, certain government assistance recipients such as EBT and Medicaid holders) roughly halve the annual fee while keeping nearly all benefits intact. Break-even on shipping drops to single-digit annual orders, and the streaming and grocery layers add clean value on top.

What about Amazon-only deliveries vs. third-party sellers?

Prime shipping benefits apply to Prime-eligible items, which includes Amazon-fulfilled and many third-party items shipped via Amazon's fulfillment network. Third-party items not in this network ship separately and may not qualify for free 2-day shipping. Always check the Prime badge on individual listings before assuming.

Does Buy with Prime add real value?

For households that shop on a handful of participating non-Amazon sites, yes, modest value, mostly in faster shipping and easier returns. For most households, it is a tiebreaker rather than a primary reason to pay for Prime.

How do Amazon Hub Lockers and garage delivery fit in?

Both are Prime-included delivery options that solve the "I'm not home for the package" problem common in suburban households. Hub Lockers are scattered across pharmacies and grocery store parking lots; in-garage delivery is available in many suburban ZIPs with a compatible smart garage opener. Neither costs extra, and both reduce porch-piracy risk meaningfully.

How do I earn Cashback on the Prime household basket through ShopBack?

Not on Amazon itself at the moment: Amazon is not a ShopBack US merchant right now, so an Amazon order does not earn ShopBack Cashback. For the lines you move to a ShopBack US merchant, go through ShopBack before you pay, starting from the ShopBack page for Walmart, Target or Costco. The current Cashback is shown on that store's page on ShopBack before you buy.

Does the Prime membership fee itself earn ShopBack Cashback?

No. Amazon is not a ShopBack US merchant at the moment, so neither the Prime annual or monthly subscription fee nor product purchases on Amazon earn ShopBack Cashback right now. Membership and subscription fees usually sit outside the qualifying-purchase categories at ShopBack US merchants too; Cashback there applies to eligible product orders you place after activating ShopBack and clicking through to Walmart, Target or Costco. Check the current merchant page for any special membership signup offers when live.

Which US retailers earn Cashback through ShopBack as alternatives to Prime?

Amazon itself is not a ShopBack US merchant at the moment. The main US retail partners on ShopBack for a Prime-style basket are Walmart, Target, Costco, Sam's Club, Best Buy, and Chewy. Cashback applies to eligible product orders regardless of your Prime status. Selection and rates change through the year; verify the live merchant page before ordering.

Does ShopBack Cashback apply to Fresh, Whole Foods, or Subscribe & Save orders?

Not at the moment. Amazon is not a ShopBack US merchant right now, so Amazon Fresh, Whole Foods and Subscribe & Save orders do not earn ShopBack Cashback. Grocery Cashback eligibility at ShopBack US merchants varies by category and by time of year: some grocery sub-categories at Walmart, Target and Instacart qualify, others are excluded, and the rate on grocery is often different from the base rate. Verify the eligible-category footnotes on the merchant page before ordering.

How much Cashback should I expect on a typical Prime-style household basket?

On the Amazon portion, none right now: Amazon is not a ShopBack US merchant at the moment. On the lines you buy at Walmart, Target or Costco, Cashback depends on the current published rate, the category mix, and any per-order caps. Higher rates occasionally appear during event windows. ShopBack does not guarantee a flat rate; check the live rate on each merchant page before checkout.

Do ShopBack Cashback rates change during Prime Day, Black Friday, or Cyber Monday?

Sometimes yes. Around Amazon Prime Day (typically July and October) and Black Friday and Cyber Monday, ShopBack occasionally boosts Cashback on rival retailers such as Walmart, Target and Best Buy, and occasionally caps or reduces rates on deeply discounted categories. Amazon is not on ShopBack US right now, so there is no Amazon rate to watch. Whether a category is included in the elevated rate is set per merchant per event. Watch the merchant ShopBack page in the run-up to each event window.

Can I use a rewards credit card when I shop through ShopBack?

At ShopBack US merchants, generally yes: a rewards card applies its earn rate at the card level regardless of how you route the online session, and ShopBack Cashback tracks separately on the eligible order amount when you click through, for example at Walmart or Target. On Amazon there is no ShopBack Cashback to earn right now, since Amazon is not a ShopBack US merchant at the moment; the Amazon Rewards Visa still earns on its own there. Verify current terms on the merchant page and read any category-specific caps before checkout.

Does ShopBack Cashback apply to the Prime annual membership fee itself?

No. Amazon is not a ShopBack US merchant at the moment, so the Amazon Prime annual and monthly membership fees, renewal charges and product orders on Amazon are all outside ShopBack Cashback right now. At the ShopBack US merchants named in this article (Walmart, Target, Costco), Cashback tracks on eligible product orders you place after activating and clicking through, and membership charges are generally not eligible. Check the current merchant page for any special membership signup promotions before assuming eligibility.

Should I buy my household basket from Amazon, Walmart or Target?

If you are keeping Prime, buy the Amazon-device and Subscribe & Save lines at Amazon during a Prime deal event (the October one has just passed, so watch Black Friday and Cyber Monday next), because that is where Amazon sets its own floor. If you are letting Prime lapse, Walmart is the closest like-for-like on paper goods, detergent and pet food with free pickup and no fee, and Target wins when a Target Circle offer lands on the exact item. Price the same basket at all three in one evening rather than assuming. Walmart and Target are ShopBack US merchants and Amazon is not on ShopBack US at the moment, so if the price ties, the ShopBack Cashback at Walmart or Target decides it.

What are the best deals on Amazon Prime?

The best Amazon Prime deals are the member-only ones: Prime Day in summer, Prime Big Deal Days in October, and Prime-exclusive Lightning Deals, where Amazon's own devices such as Echo, Kindle, Fire TV and Ring usually see Amazon's deepest cuts. Outside those events, the steadiest value is Subscribe & Save on household consumables, Whole Foods member deals and Prime Video included with the membership. Which deals matter depends on your household. Heavy consumables buyers get the most from Subscribe & Save. Weekly Whole Foods shoppers get the most from member grocery deals. Big-ticket buyers should wait for a deal event and compare the same item elsewhere first. Amazon is not a ShopBack US merchant, so price the same item on the ShopBack Walmart page or the ShopBack Target page and go through ShopBack before you pay if either matches. For how the two Prime events compare, see Prime Big Deal Days vs Prime Day.

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Key takeaways

• For most US suburban households, annual Prime is worth it once you order 1.5+ packages per month or use 2+ named benefits (Prime Video, Whole Foods, Subscribe & Save, Fresh)
• Monthly Prime is the right call only for genuine short-term spikes, holidays, moves, renovations, or extending a trial
• Two-adult households should always use family share, effectively halves per-person cost with no downside
• Subscribe & Save tier discounts add up fastest for households with 3+ consumables in the subscription
• Big-and-bulky orders, in-garage delivery, and Hub Lockers solve suburban-specific delivery friction at no extra cost
• Pull your last 12 months of Amazon orders before deciding, most households order more than they think
• Combined annual value for an active suburban household lands at $400 to $700 across shipping, streaming, grocery, and Subscribe & Save
• Prime Day (July and October) can pay back the fee in a single planned big-ticket purchase
• Rural or exurban households with no Whole Foods and no Amazon Fresh get materially less value; recheck the math
• Amazon is not a ShopBack US merchant at the moment, so Prime orders earn no ShopBack Cashback right now; go through ShopBack before you pay on the Walmart, Target and Costco lines you split off instead

💡 One last lever once you've picked a plan: sign up for ShopBack and earn Cashback at Walmart, Target and Costco all year on the lines that do not need Prime. Amazon is not a ShopBack US merchant at the moment, so compare its price only. Setup takes about two minutes and needs no promo codes.

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Sources

• Amazon, Prime membership (annual/monthly plans, shipping, Prime Video, Whole Foods, Subscribe & Save, family share)
• Note: The per-benefit dollar values, break-even thresholds, and household-scenario figures in this article are editorial estimates, not figures published by Amazon; verify the current Prime fee and benefits on Amazon's signup page.

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Disclaimer

The views and recommendations expressed in this article are those of the author.

Prices, rates, promotions, and availability are subject to change. Please verify details directly with the relevant providers before making any decisions.

This article is intended for general informational purposes only and should not be considered professional or financial advice.

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