Insurance Agent Lee Hudson
STATE FARM® INSURANCE AGENT, VIRGINIA BEACH, VA

Lee Hudson

Lee Hudson Insurance Agcy Inc

Would you like to get a quote?

Office Details:

Street Address:

244 Mustang Trl
Ste 1

Virginia Beach, VA 23452

Landmark:

between RK Chevy and Beach Ford off Virginia Beach Blvd

Languages:

English
Tagalog

Office Hours (EST):

Mon-Fri 9am-5pm
Evenings & Sat by Appt.

Phone:

Toll Free:

833-762-1458

Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay current insurance bills, manage notifications and set up future payments.

About Me:

  • Agent in Virginia Beach, VA since 2017
  • Free Quotes on Auto Insurance and Home Insurance
  • Home Insurance Virginia Beach, Chesapeake, Suffolk
  • Focusing on Transfers to Virginia Beach and Tidewater
  • Looking for a new career, join the team
  • Auto Insurance and Home Insurance in Virginia Beach
  • Serving Virginia Beach, VA and Hampton Roads, VA
  • Save Money on Car Insurance and Home Insurance
  • Offering Health and Life Insurance in Virginia Beach
  • Member of Hampton Roads Chamber of Commerce
  • Help with Business Insurance Planning
  • Home Insurance Norfolk, Hampton, Newport News
  • Life Insurance Quotes
  • Ambassador Travel Qualifier
  • Chairman's Circle Agent
  • Long time resident of Virginia Beach
Your #1 choice for life insurance. For J.D. Power 2023 award information, visit jdpower.com/awards


Let us help you create a Personal Price Plan®

Everyone loves saving money. Customize a coverage plan that helps protect what’s important to you – family, things and your bottom line. From safe driving rewards, bundling options and discounts*, Lee Hudson can help you create a solution that’s right for you.

Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
*Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.



Auto Insurance

Buckle up with State Farm, and get auto insurance in Virginia Beach, VA that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Lee Hudson in Virginia Beach, VA will help you get your Personal Price Plan for auto insurance. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!



Recreational Vehicles

Do you enjoy the great outdoors with a motorcycle, motorhome, camping trailer, boat or off-road vehicle?  The world of recreational vehicles is almost as diverse as the list of recreational activities you might enjoy with them!  Recreational vehicles are built for adventure, but before you head out to hit the open road, water or trails make sure your toys have quality coverage with options designed with recreational vehicles specifically in mind.  Protect your most valued items wherever you roam.

Want more information? Ask Lee Hudson in Virginia Beach, VA about a recreational vehicle insurance quote.

Call or email an agent for a recreational vehicle quote.



Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Virginia Beach, VA. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Lee Hudson in Virginia Beach, VA will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

StateFarm Ting

Protect your place from electrical fires

  • State Farm and Ting* can help you prevent electrical fires before they happen – for free.
  • Ting program only available to eligible Non-Tenant State Farm Homeowner policyholders.
Explore Ting

* The State Farm Ting program is currently unavailable in AK, DE, NC, SD and WY



Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!



Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Virginia Beach, VA. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Lee Hudson in Virginia Beach, VA about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.



Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Virginia Beach, VA. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Lee Hudson in Virginia Beach, VA to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your small business insurance quote today!



Life Insurance

Whether the death benefit helps your beneficiary pay housing costs, maintain a current standard of living, or helps pay for your children’s education, State Farm® life insurance helps your life's moments live on. Help secure the future of your family with a term, whole, or universal life policy. You have choices, and we have policies to fit nearly every need and budget.

By-the-way. If you thought you that you could not qualify for life insurance, Guaranteed Issue Final Expense is now available. The death benefit can help with final expenses, including funeral, burial costs, medical bills, cremation, or other debt.

Life Enhanced®

Build a stronger well-being.
Get guidance and motivation to strengthen key areas of your overall wellness.
Take a closer look

Lee Hudson in Virginia Beach, VA will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!



Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Virginia Beach, VA. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Lee Hudson in Virginia Beach, VA to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your hospital income online insurance quote.



Banking

Banking, your way. When, where, and how you want. When you're looking for help to achieve your financial goals, we want to be your first and best choice in Virginia Beach, VA. Thanks to an alliance between U.S. Bank® and State Farm®, now, you'll be able to apply for U.S. Bank Checking, Savings, CDs, Retirement CDs and Credit Cards online or through your local State Farm agent.

Talk with Lee Hudson in Virginia Beach, VA to get more information about available U.S. Bank banking products.

Call or email an agent for product information.



Annuities

Let State Farm® support your financial future with an investment through annuities in Virginia Beach, VA. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Lee Hudson to get more information about annuities in Virginia Beach, VA that support your financial goals.

Call or email an agent for investment information.



Pet Insurance

StateFarm Trupanion

When your pets need medical attention, the last thing you should worry about is cost. Unfortunately, many pet owners find themselves facing tough decisions about their dog or cat’s care. We’re here to help. State Farm works with Trupanion® – a leader in high-quality pet medical insurance – to make it easier for pet owners to care for their furry family members.

Want more information? Ask Lee Hudson in Virginia Beach, VA about a pet medical insurance quote.

Start your pet medical insurance quote. It’s fast and easy!

About Me:

  • Agent in Virginia Beach, VA since 2017
  • Free Quotes on Auto Insurance and Home Insurance
  • Home Insurance Virginia Beach, Chesapeake, Suffolk
  • Focusing on Transfers to Virginia Beach and Tidewater
  • Looking for a new career, join the team
  • Auto Insurance and Home Insurance in Virginia Beach
  • Serving Virginia Beach, VA and Hampton Roads, VA
  • Save Money on Car Insurance and Home Insurance
  • Offering Health and Life Insurance in Virginia Beach
  • Member of Hampton Roads Chamber of Commerce
  • Help with Business Insurance Planning
  • Home Insurance Norfolk, Hampton, Newport News
  • Life Insurance Quotes
  • Ambassador Travel Qualifier
  • Chairman's Circle Agent
  • Long time resident of Virginia Beach

Our Mission:

We are servant-leaders to our State Farm customers, nurturing a lifelong relationship providing our services to help them achieve their goals and insure their family. We offer different products including auto, home, renters, condo, health, and life insurance. We are the good neighbor and provide first-rate customer service, treating each policyholder as a member of our own family. We want to be the premier source of asset coverage and management in Virginia Beach and all of Virginia.

Our Team:

Team Member Profile Photo Cheyanne Carrasco
Cheyanne Carrasco
Personal Account Representative
Cheyanne joined our Virginia Beach team in 2022. She has 5 years of insurance experience and in her free time enjoys painting, writing, and finding the next awesome Netflix show. If she is not in the office, she is usually traveling and exploring new places. Contact Cheyanne to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Cheyanne is licensed to serve the entire state of Virginia and North Carolina.
Team Member Profile Photo Nicole Eastman
Nicole Eastman
Customer Service Manager
Nicole joined our State Farm Agent office in Virginia Beach, VA in 2021. Nicole's dad was a plant manager in the automobile industry so she got to live in a lot of cool places growing up. She loves being outside, hiking, fishing, and going to the beach. Please contact Nicole to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. Nicole is licensed to help State Farm customers in Virginia and North Carolina.
Team Member Profile Photo Tora Shifflett
Tora Shifflett
Personal Account Representative
Tora joined our State Farm office in Virginia Beach, VA in 2021. She grew up in the Chesapeake, VA area and went to TCC. She enjoys spending time with her family, baking, and reading. Please contact Tora to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. Tora is licensed to help State Farm customers in Virginia.
Team Member Profile Photo Wain Richardson
Wain Richardson
Personal Account Representative
Wain joined our State Farm Agent office in Virginia Beach, VA in 2021. He is born and raised in Virginia Beach, VA and went to East Carolina University. He likes game nights with friends and family, going to the beach, and watching reality shows from the early 2000s. He is passionate about theatre, film, and acting and he cannot be quiet when watching a movie with a group! Please contact Wain to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs.
Team Member Profile Photo Haley Clapsaddle
Haley Clapsaddle
Personal Account Representative
Haley joined our State Farm Agent office in Virginia Beach, VA in 2022. She is originally from Gates County, NC, has over 8 years of customer service experience in the insurance business! She loves her animals and hanging out with friends and family. In her free time, she likes to read, go fishing, make candles, and play video games! Please contact Haley to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs.
Team Member Profile Photo Tyler Hedrick
Tyler Hedrick
Office Manager
Tyler came to our State Farm office in Virginia Beach in 2021 with over 20 years of experience in customer service and support. She is a Virginia Beach native and is a graduate of the University of Virginia. She enjoys reading, spending time with family, and dogs. Please contact Tyler to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. She is licensed to help State Farm customers in the state of Virginia and North Carolina.
Team Member Profile Photo Brittney Bishop
Brittney Bishop
Personal Account Representative
Brittney joined our Virginia Beach team in 2022 and first joined State Farm agents back in 2012. She was born and raised in Oklahoma where she currently resides. She was a city girl that quickly turned to country girl when she met her husband 14 years ago. They run a farm, have 4 kids, and love helping others in health and wellness and living a more sustainable life. Contact Brittney to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs!
Team Member Profile Photo Christina Steele
Christina Steele
Personal Account Representative
Christina joined our Virginia Beach team in 2024. She grew up in Vermont and is a proud wife, mom to 3 children, and dog mom to Murry. She loves interior decorating, painting, spending time with family, and the beach. Contact Christina to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Christina is licensed to serve the entire state of Virginia and North Carolina.
Team Member Profile Photo Christian Bisese
Christian Bisese
Personal Account Representative
Christian joined our Virginia Beach team in 2020 after moving here from Florida. He has 13 years of insurance experience and is a huge sports fan, especially basketball, and loves the beach, fishing, and cooking. Contact Christian to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Christian is licensed to serve the entire state of Virginia and North Carolina.
Team Member Profile Photo Colin Walker
Colin Walker
Personal Account Representative
Colin joined our State Farm Agent office in Virginia Beach, VA in 2020. He grew up in the Richmond, VA area and went to Virginia Tech. He loves sports, spending time with his family, and any kind of aquatic activities. Please contact Colin to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. Colin is licensed to help State Farm customers in Virginia.
Team Member Profile Photo Kelsey Miller
Kelsey Miller
Personal Account Representative
Kelsey came to our State Farm Agent office in Virginia Beach, VA in 2020 with over 6 years of customer service and business experience. She grew up in Missouri and moved to Hampton Roads in 2019. She has a son and a daughter and loves hanging out at the park and the beach with her family. Please contact Kelsey to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. She is licensed to help State Farm customers in Virginia.
Team Member Profile Photo Glory Tan
Glory Tan
Personal Account Representative
Glory joined our Virginia Beach team in 2023 and has over 5 years of experience in the insurance industry. She is a baseball mom, loves her dogs Maui and Mana, and loves to explore new places and traveling with her family! Contact Glory to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Glory is licensed to serve the entire state of Virginia.
Team Member Profile Photo Jeanette Hatfield
Jeanette Hatfield
Personal Account Representative
Jeanette joined our Virginia Beach team in 2023 and has been with State Farm for 7 years. She is a mom of 2 amazing daughters, a cat mom, and is the queen of customer service! She likes baking, the beach, and marine biology. Sharks are her favorite so let her take a bite out of your old insurance bill! Contact Jeanette to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Jeanette is licensed to serve the entire state of Virginia.
Team Member Profile Photo Danie Holtman
Danie Holtman
Personal Account Representative
Danie joined our team in 2023 & has been in the insurance industry since 2019. Before finding a career with State Farm, she was a Pre-kindergarten Teacher. She grew up right here in Virginia Beach and has stayed local to be close to family. She enjoys traveling, theme parks, spending time at the beach with her dog, Henry, and shopping at small businesses. Please contact Danie to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs.
Team Member Profile Photo Edward Lynch
Edward Lynch
Personal Account Representative
Edward joined our team in 2017 after moving to Virginia Beach from New Jersey. He loves photography, the outdoors, the Giants, and just has a contagious, positive attitude. Contact Edward to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Edward is licensed to serve the state of Virginia.
Team Member Profile Photo Jody Davis
Jody Davis
Personal Account Representative
Jody came to our State Farm Agent office in Virginia Beach, VA in 2018 with over 20 years of experience in the insurance and financial services industry. She loves her family (including her cat!), living a healthy lifestyle, and sailing on the weekends. Please contact Jody to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. She is licensed to help State Farm customers in Virginia, North Carolina, and Iowa.
Team Member Profile Photo Jonathan Thomas
Jonathan Thomas
Personal Account Representative
Jonathan joined our Virginia Beach team in 2024 with 2 years of insurance experience and 15 total years of experience helping customers choose the right products. He grew up in Brooklyn. NY and is a big fan of sports. He is a husband, father of 5, loves boxing, drawing, reading books, comic books, and manga. Please contact Jonathan to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs.
Team Member Profile Photo Kirk Larson
Kirk Larson
Personal Account Representative
Kirk came to our State Farm office in Virginia Beach in 2020 and has 14 years of experience in the insurance and financial services industry. He loves traveling with his wife and spending time with his family and friends, and is very proud of his son achieving more in life than he ever could have imagined. Please contact Kirk to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. He is licensed to help customers in Virginia and North Carolina.
Team Member Profile Photo Kelsey Roane
Kelsey Roane
Personal Account Representative
Kelsey came to our State Farm Agent office in Virginia Beach, VA in 2019 and the insurance and financial services industry has been a part of her family for generations. Helping people really is her passion and purpose and she enjoys relaxing with her friends and family in her down time. Please contact Kelsey to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. She is licensed to help State Farm customers in Virginia.
Team Member Profile Photo Katie Sparks
Katie Sparks
Personal Account Representative
Katie joined our Virginia Beach team in 2023 with 7 years of insurance experience. She loves a good show to binge with her husband and going to brunch with friends. She spends her free time with family, at the soccer fields with her kids, and at the pool and beach during the summer. Contact Katie to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Katie is licensed to serve the entire state of Virginia and North Carolina.
Team Member Profile Photo Sydney Shaffer
Sydney Shaffer
Personal Account Representative
Sydney came to our State Farm Agent offices in Virginia Beach, VA in 2023 with over 5 years of experience in the customer service industry! She is from Colebrook, CT originally, but now lives in Virginia Beach as of 2019. She loves spending time with her son, has a passion for writing, and The Office is her all-time favorite show. Please contact Sydney to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs.
Team Member Profile Photo Leilani Zamora
Leilani Zamora
Personal Account Representative
Leilani joined our Virginia Beach team in 2022 and has lived in Virginia Beach her entire life. She loves to dance like there is no tomorrow, loves a great beach day, and loves lifting weights at the gym. Contact Leilani to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Leilani is licensed to serve the entire state of Virginia.
Team Member Profile Photo Marissa Flick
Marissa Flick
Personal Account Representative
Marissa joined our Virginia Beach team in 2023 with 2 years of insurance experience. She grew up in Virginia Beach and went to TCC after attending high school here locally. She enjoys relaxing with friends and lounging at the pool in the summer. Please contact Marissa to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. She is licensed to help State Farm customers in Virginia and North Carolina.
Team Member Profile Photo Ben Labowitz
Ben Labowitz
Personal Account Representative
Ben joined our Virginia Beach team in 2023. He grew up in Montana and moved to Virginia in 2013. He enjoys cooking, creative writing, playing games with his friends, and spending time outdoors away from the hustle and bustle of the city. Please contact Ben to discuss your Life Insurance, Car Insurance, Home Insurance, Business and Financial Services needs. Ben is licensed to help State Farm customers in Virginia.
Team Member Profile Photo Regina McGuinn
Regina McGuinn
Personal Account Representative
Regina is from Northern Virginia and joined our Virginia Beach team in 2024 with 7 years of insurance experience. When she is not busy with friends and family she enjoys paddleboarding, gardening, cooking, and painting. She also is a huge fan of Boston and Golden State professional basketball! Contact Regina to discuss your Life Insurance, Auto Insurance, Home Insurance and Financial Services needs! Regina is licensed to serve the entire state of Virginia.

Agent's Credentials and Licenses:

VA-143560
NC-1000648711
IA-3002468359

We're Hiring

It could be the beginning of an exciting career.
This opportunity is about potential employment with an independent contractor agent who solicits application for State Farm products and services, and does NOT result in employment with any of the State Farm Companies. The employment selection decision, terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.

Disclosures

Deposit products offered by U.S. Bank National Association. Member FDIC.

The creditor and issuer of this credit card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Pet insurance products are underwritten in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave. S, Seattle, WA 98108. Administered by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Terms and conditions apply, see full policy on Trupanion's website for details. State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products. State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance. 

Pre-existing conditions: If you currently have a pet medical insurance policy, switching carriers or purchasing a new policy may affect certain provisions such as coverages for pre-existing conditions or deductibles already established under your current policy. Let your State Farm® agent know if your existing policy has provisions that might make it beneficial for you to keep. 

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites referenced in this material. Products and services are offered by third parties and State Farm does not warrant the merchantability, fitness or quality of the products and services of the third parties.

Benefit available for State Farm customers who have purchased a new life insurance policy since January 1, 2022. While anyone over 18 years of age can join Life Enhanced, certain app features, including rewards, may not be available unless you own an eligible State Farm life insurance policy. At this time, policyholders in Florida and New York are not eligible for the full program. Please note that some policyholders may experience a delay before a new policy is eligible for rewards.

This is not a solicitation to buy or sell State Farm insurance products.

Life Enhanced participation subject to program eligibility and varies by state. Subject to terms and conditions of the agreement. Life Enhanced app is available for Android and iOS. An iOS or Android mobile device may be required to use all Life Enhanced program features. Customers must agree to authorize State Farm to collect health and wellness information data. Mobile application users must agree to a licensing agreement.

Pursuant to relevant tax law, State Farm may send to you and file with the Internal Revenue Service and/or other applicable tax authority a Form 1099-MISC (Miscellaneous Income) for the redemption of Life Enhanced rewards as appropriate. You are solely responsible for any tax consequences arising from the redemption of Life Enhanced rewards. State Farm does not provide tax or legal advice. You may wish to discuss the potential tax consequences of your participation in the Life Enhanced program with a tax or legal advisor.

Each State Farm Insurer has sole financial responsibility for its own products.

State Farm Life Insurance Company (Not Licensed in MA, NY or WI)

State Farm Life and Accident Assurance Company (Licensed in NY and WI) Bloomington, IL

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.