Why Is Nobody Talking About This?! I am starting a weekly video broadcast in the near future, which is going to consist of 1-2 minute educational rants. Entitled “Why is Nobody Talking About This?!” I will discuss retirement/investing related topics that are vitally important for you to know and understand. As loyal readers and listeners, I am going to give you a sneak peek into the first five episodes. Episode #1:   Since 1930, if you look at every possible 20 year period in the stock market (1950-1970, 1990-2010, etc), the WORST 20-year time period was not that bad.  The S & P Index average annual return was +7% per year.  Why Is Nobody Talking About This!?   Episode #2:  In the past 40 years, a 50% stock / 50% bond portfolio, the index averages would have lost money FIVE out of forty years.

1976	-2.06%
1993	-.80%
2000	-1.72%
2001	-5.92%
2008	-15.88%

Is that really that bad?!  Why is nobody talking about this?! Episode #3:  50% of the people in this country have not saved any money for retirement.  But of the other 50% who have prepared, they are, on average, dying with nearly twice as much money as they had on the day they retired, per a Federal Reserve Report  Why Is Nobody Talking About This!? Episode #4:  If someone retired in 1990, invested $100,000 into the stock market, and then started an annual withdrawal of $5,000 for 25 years, their current account balance would be $561,389 based on index averages.  Why Is Nobody Talking About This?! Episode #5:  According to the Social Readjustment Rating Scale (SRRS), Retirement is in the top ten of stressful life events-  located right after getting fired, going to jail, and getting divorced.  Retirement requires both extensive financial and life planning.  Why Is Nobody Talking About This?! Be Blessed! Dave There is no certainty that any investment strategy will be profitable or successful in achieving your investment objectives. An index is a portfolio of specific securities.  Indexes are unmanaged and investors cannot invest directly in an index.  Index returns are "total returns" with dividends re-invested, which means the return is not only the change in price for securities, but any income generated by those securities.   The performance of an unmanaged index is not indicative of the performance of any particular investment. Investments offering the potetntial for higher rate of return also invovle a higher degree of risk. Past performance is no guarantee of future results. Actual results will vary. Note:  Many of you are still calling us on our old phone number.  Please take note that our new number is: 941-556-6307.  The old phone number will be disconnected in the near future.     The return of principal for bond funds and for funds with significant underlying bond holdings is not guaranteed. Fund shares are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings. The value of fixed-income securities may be affected by changing interest rates and changes in credit ratings of the securities.  Past performance is no guarantee of future results. Inherent in any investment is the potential for loss. Indexes are unmanaged portfolios and individuals cannot invest directly in an index.  Actual results will vary. This communication is for informational purposes only and nothing herein should be construed as a solicitation, recommendation or an offer to buy or sell any securities or product, and does not constitute legal or tax advice. The information contained herein has been obtained from sources believed to be reliable but we do not guarantee accuracy or completeness. Do not act or rely upon the information and advice given in this publication without seeking the services of competent and professional legal, tax, or accounting counsel.