| San Diego, California, August 5, 2011 – Volatility in the Stock Market has generated anxiety and concern among investors, which you may be feeling as well. The impasse for raising the US Debt Ceiling along with mixed consumer sentiment, slow domestic economic performance, and global concerns have contributed to the recent correction in the market.While the major indices are a common benchmark for the overall performance of US stocks, it is important to remember that your portfolio’s performance is not representative of the day to day performance of the Dow Jones Industrials Average (DJIA) or the Standard & Poor’s 500 (S&P500). Our portfolio consists of a diversified combination of stocks, bonds, commodities, and real estate holdings; designed through rigorous academic research and logic. They are allocated according to your overall objectives: balancing risk tolerance, principal protection, and investment returns. Historical performance of the DJIA and S&P500 is also worth mentioning to provide perspective relative to current market events. | Index Values (Source: Big Charts, A Service of Market Watch) | | DJIA | S&P500 | | 08/04/2010 | 10,680.43 | 1,127.24 | | 12/31/2010 | 11,577.51 | 1,257.64 | | 03/31/2011 | 12,319.73 | 1,325.83 | | 06/30/2011 | 12,414.34 | 1,320.64 | | 08/04/2011 | 11,383.68 | 1,200.07 | | | |
Past performance is no guarantee of future results For the 12 months ending August 4, 2011 the DJIA was up by 703.25 points (6.58%) and the S&P500 was up by 72.83 points (6.46%). Please call us if you have additional questions or concerns. Kindest regards, Bruce Rawdin-Baron Steve Pollock, MS, CFP®, EA | 
