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The Georgia Optometric Association and outside vendors have worked to provide an independent source of benefits, retirement, health insurance, and HR services for the benefit of its members. Benefits, HR, retirement and health insurance decisions, and sourcing are the responsibility of the GOA member practices. A practice’s decision to use these benefits or services is solely its decision. Neither the Georgia Optometric Association, its subsidiaries, nor any outside vendors are fiduciaries with respect to such decision.