Karen Ibach, CFP™, www.karenibach.com

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/2493/Karen-Biz-Photo-Newer-Web.jpg" alt="Karen Ibach, CFP™, www.karenibach.com" height="227" width="229" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Planning for Your Financial Success!</b> <br> <br>2475 E. Towne Blvd. <br>Arlington Hts., IL 60004 <br>Phone: 847-392-9600 <br>FAX: 847-392-5560 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email: <br> <a href="mailto:karen.ibach@wfgadvisor.com"> karen.ibach@wfgadvisor.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <div dir="ltr"><font face="Tahoma" color="#000000" size="2"> <div class="Section1"> <div class="Section1"><font face="Tahoma" color="#000000" size="2"> <div dir="ltr"><font face="Tahoma" color="#000000" size="2"> <div class="Section1"><i><span style="font-size: 10pt; color: #993300"><font face="Georgia"><font face="Tahoma" color="#000000">   <div class="Section1"> <div class="Section1"> <div dir="ltr"><font face="Tahoma" color="#000000" size="2"> <div class="Section1"> <p class="MsoNormal" style="background: maroon; margin: 0in 0in 3pt; line-height: 18pt"><span style="font-size: 18pt; font-family: Georgia"> </span></p> <div class="Section1"> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><i><span style="font-size: 14pt; font-family: Georgia"><span><span>Karen A. Ibach, CFP,</span></span> Presents</span></i></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 16pt; font-family: Georgia">Weekly Economic Update for the Week of June 29, 2009</span></b></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><i><span style="font-size: 10pt; color: #990000; font-family: Georgia">_______________________________________________________________________________</span></i></p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center" align="center"> </p> </div> <p class="MsoNormal" style="background: maroon; margin: 0in 0in 3pt; line-height: 18pt"><i><span style="font-size: 10pt; color: #990000; font-family: Georgia"><br style="page-break-before: auto" clear="all" /> </span></i></p> <div class="Section2"> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; font-family: Georgia">Quote of the week.</span></b><span style="font-size: 10pt; font-family: Georgia"> “Nothing will work unless you do.” – John Wooden</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; font-family: Georgia">Stimulated spending & saving.</span></b><span style="font-size: 10pt; font-family: Georgia"> Consumer spending rose 0.3% in May while incomes rose 1.4%. Analysts call the gains a clear effect of the federal government’s economic stimulus package. As incomes rose much more than spending, the personal savings rate hit 6.9% in May - a level unseen since December 1993.<sup>1</sup> </span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; font-family: Georgia">More demand for big-ticket items.</span></b><span style="font-size: 10pt; font-family: Georgia"> The Commerce Department announced a big gain in durable goods orders – they went north 1.8% in May, matching what happened in April. Economists had projected a 0.9% drop.<sup>2</sup> </span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; font-family: Georgia">Fed thinks recession is waning.</span></b><span style="font-size: 10pt; font-family: Georgia"> The Federal Reserve left the key interest rate untouched last week. The Fed’s policy statement shared the belief that “the pace of economic contraction is slowing” and that inflation would “remain subdued for some time.” Interpreting this, many economists believe the Fed will leave interest rates alone until 2010.<sup>3</sup></span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; font-family: Georgia">Over in the real estate sector …</span></b><span style="font-size: 10pt; font-family: Georgia"> Sales of existing homes increased by 2.4% in May, as bargains beckoned – sale prices were 17.0% under where they were a year ago, according to the National Association of Realtors. Disappointingly, the Commerce Department estimated that new home sales were down 0.6% last month.<sup>4</sup></span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; font-family: Georgia">Consumers gain yet more confidence.</span></b><span style="font-size: 10pt; font-family: Georgia"> The final Reuters/University of Michigan consumer sentiment index for June came in at 70.8, up from 68.7 in May.<sup>1</sup> </span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; font-family: Georgia">Mixed week for stocks.</span></b><span style="font-size: 10pt; font-family: Georgia"> While the NASDAQ gained 0.6% last week, the S&P 500 slipped 0.3% from Monday to Friday. The DJIA lost 1.2% over that span.<sup>5</sup> </span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <div align="center"> <table class="MsoNormalTable" style="border-right: medium none; border-top: medium none; border-left: medium none; border-bottom: medium none; border-collapse: collapse" cellspacing="0" cellpadding="0" border="1"> <tbody> <tr style="height: 21.05pt"> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: windowtext 1pt solid; padding-left: 0in; background: maroon; padding-bottom: 0in; border-left: windowtext 1pt solid; width: 68.55pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 21.05pt" nowrap="nowrap" width="91"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in auto -0.1in; text-align: center" align="center"><span style="font-size: 9pt; color: white; font-family: Georgia">% Change</span></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: windowtext 1pt solid; padding-left: 0in; background: maroon; padding-bottom: 0in; border-left: #d4d0c8; width: 52.65pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 21.05pt" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto -0.65pt auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: white; font-family: Georgia">Y-T-D</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: windowtext 1pt solid; padding-left: 0in; background: maroon; padding-bottom: 0in; border-left: #d4d0c8; width: 52.7pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 21.05pt" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: white; font-family: Georgia; position: relative; top: 3pt">1-Year </span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 5.4pt; border-top: windowtext 1pt solid; padding-left: 5.4pt; background: maroon; padding-bottom: 0in; border-left: #d4d0c8; width: 52.7pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 21.05pt" nowrap="nowrap" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: white; font-family: Georgia">5-Yr Avg</span></b></p> </td> </tr> <tr style="height: 17.25pt"> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; background: #d9d9d9; padding-bottom: 0in; border-left: windowtext 1pt solid; width: 68.55pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt" nowrap="nowrap" width="91"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in auto -0.1in; text-align: center" align="center"><b><span style="font-size: 9pt; color: #993300; font-family: Georgia">DJIA</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; padding-bottom: 0in; border-left: #d4d0c8; width: 52.65pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">-3.85</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; padding-bottom: 0in; border-left: #d4d0c8; width: 52.7pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">-26.32</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 5.4pt; border-top: #d4d0c8; padding-left: 5.4pt; padding-bottom: 0in; border-left: #d4d0c8; width: 52.7pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" nowrap="nowrap" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">-3.73</span></b></p> </td> </tr> <tr style="height: 17.25pt"> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; background: #d9d9d9; padding-bottom: 0in; border-left: windowtext 1pt solid; width: 68.55pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt" nowrap="nowrap" width="91"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: #993300; font-family: Georgia">NASDAQ</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; padding-bottom: 0in; border-left: #d4d0c8; width: 52.65pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">+16.56</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; padding-bottom: 0in; border-left: #d4d0c8; width: 52.7pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">-20.81</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 5.4pt; border-top: #d4d0c8; padding-left: 5.4pt; padding-bottom: 0in; border-left: #d4d0c8; width: 52.7pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" nowrap="nowrap" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">-1.85</span></b></p> </td> </tr> <tr style="height: 17.25pt"> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; background: #d9d9d9; padding-bottom: 0in; border-left: windowtext 1pt solid; width: 68.55pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt" nowrap="nowrap" width="91"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: #993300; font-family: Georgia">S&P 500</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; padding-bottom: 0in; border-left: #d4d0c8; width: 52.65pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">+1.73</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 0in; border-top: #d4d0c8; padding-left: 0in; padding-bottom: 0in; border-left: #d4d0c8; width: 52.7pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">-28.39</span></b></p> </td> <td style="border-right: windowtext 1pt solid; padding-right: 5.4pt; border-top: #d4d0c8; padding-left: 5.4pt; padding-bottom: 0in; border-left: #d4d0c8; width: 52.7pt; padding-top: 0in; border-bottom: windowtext 1pt solid; height: 17.25pt; background-color: transparent" nowrap="nowrap" width="70"> <p class="inside-copyCharCharCharCharCharCharCharCharChar" style="margin: auto 0in; text-align: center" align="center"><b><span style="font-size: 9pt; color: windowtext; font-family: Georgia">-3.80</span></b></p> </td> </tr> </tbody> </table> </div> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center" align="center"><i><span style="font-size: 4pt; font-family: Georgia"><br /> </span></i><i><span style="font-size: 7pt; font-family: Georgia">(Source: CNNMoney.com, 6/26/09)</span></i></p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center" align="center"><i><span style="font-size: 7pt; font-family: Georgia">Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends.</span></i></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; font-family: Georgia">Riddle of the week.</span></b><span style="font-size: 10pt; font-family: Georgia"> In terms of date and time, what was so significant about 3,661 seconds past midnight on January 1, 2001?</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><i><span style="font-size: 10pt; font-family: Georgia">Contact my office or see next week’s Update for the answer.</span></i></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-size: 10pt; color: gray; font-family: Georgia">Last week’s riddle answer:</span></b><span style="font-size: 10pt; color: gray; font-family: Georgia"> The Roman numeral IV can be made V by taking away I, the Roman numeral one.</span></p> </div> <p class="MsoNormal" style="background: maroon; margin: 0in 0in 3pt; line-height: 18pt"><b><i><span style="font-size: 10pt; color: gray; font-family: Georgia"><br style="page-break-before: always" clear="all" /> </span></i></b></p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center" align="center"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center" align="center"><b><i><span style="font-size: 10pt; color: gray; font-family: Georgia">___________________________________________________________________</span></i></b></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center" align="center"><b><i><span style="font-size: 10pt; color: #990000; font-family: Georgia">Please feel free to forward this article to family, friends, or colleagues.</span></i></b></p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center" align="center"><b><i><span style="font-size: 10pt; color: #990000; font-family: Georgia">If you would like us to add them to the list, please reply to their address and we will<br /> <span> </span>contact them and ask for their permission to be added.</span></i></b></p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center" align="center"><b><i><span style="font-size: 10pt; color: gray; font-family: Georgia">___________________________________________________________________</span></i></b></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify"><span style="font-size: 8pt; font-family: Georgia"><span><span>Karen A. Ibach, CFP, Disclosure:</span></span></span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify"> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify"><span style="font-size: 8pt; font-family: Georgia">These views are those of Peter Montoya Inc., and not the presenting Representative or the Representative’s Broker/Dealer, and should not be construed as investment advice. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is an unmanaged, market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. It is not possible to invest directly in an index. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the "NYSE") and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx<sup>®</sup>, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. All economic and performance data is historical and not indicative of future results. The market indices discussed are unmanaged. Investors cannot invest in unmanaged indices. The publisher is not engaged in rendering legal, accounting or other professional services. If other expert assistance is needed, the reader is advised to engage the services of a competent professional. Please consult your Financial Advisor for further information. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. Securities offered through Waterstone Financial Group, member FINRA/SIPC.</span><i><span style="font-size: 10pt; font-family: Georgia"> </span></i></p> <p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify"> </p> <span style="font-size: 10pt; font-family: Georgia"> <p class="MsoNormal" style="margin: 0in 0in 0pt"><b><span style="font-family: Georgia"><font size="3">Citations. </font></span></b></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">1 bloomberg.com/apps/news?pid=20601103&sid=aa9K84vVl_sA<span>   </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">2 bloomberg.com/apps/news?pid=20601087&sid=apkAeuPJBaJw<span>  </span>[6/24/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">3 finance.yahoo.com/news/Fed-holds-policy-steady-sees-rb-3591764517.html?x=0<span>                </span>[6/24/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">4 money.cnn.com/2009/06/24/real_estate/new_home_sales/?postversion=2009062410<span>   </span>[6/24/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">5 cnbc.com/id/31569269<span>              </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">6 money.cnn.com/data/markets/dow/?<span>                    </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">6 money.cnn.com/data/markets/nasdaq/?<span>              </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">6 money.cnn.com/data/markets/sandp/?<span>                </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">6 money.cnn.com/quote/historical/historical.html?pg=hi&close_date=6%2F26%2F08&mode=add&symb=DJIA<span>           </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">6 money.cnn.com/quote/historical/historical.html?pg=hi&close_date=6%2F25%2F04&mode=add&symb=DJIA<span>           </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">6 money.cnn.com/quote/historical/historical.html?pg=hi&close_date=6%2F26%2F08&mode=add&symb=COMP<span>         </span><span>                </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">6 money.cnn.com/quote/historical/historical.html?pg=hi&close_date=6%2F25%2F04&mode=add&symb=COMP<span>         </span><span>                </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; font-family: Georgia">6 money.cnn.com/quote/historical/historical.html?pg=hi&close_date=6%2F26%2F08&mode=add&symb=SPX<span>             </span><span>                </span>[6/26/09]</span></p> <p class="MsoNormal" style="margin: 0in 0in 0pt"><span style="font-size: 8pt; 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These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.<br /> <br /> </font></span></p> <p> </p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA2_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA2_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA2_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=136" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cost of Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate how much income and savings you may need in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=123" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Life Insurance</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much life insurance would you need to produce a sufficient income stream for your family?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=129" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">College Funding</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the cost of your child’s education, based on the variables you input.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=139" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Loan Payoff</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much will it cost to pay off a loan over its lifetime?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/A/TA2_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1507" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Investors Without Borders</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> As foreign markets step up to take their places on the international stage, investors content to stay at home may miss out on some opportunities. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1536" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">When It Comes to IRAs, Know Your Limits </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> In recent years, IRAs have become the single largest vehicle for retirement savings in the United States.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1595" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Land of Income Mobility</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> In America, just about anyone who is dissatisfied with his income has the opportunity to roll up his sleeves and move into a different income bracket.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1564" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Avoid the Timing Trap</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Market timing is a risky approach that could have a significant effect on a portfolio’s long-term performance. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA2_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA2_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>July 03, 2009 @ 06:26 PM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 8,280.74</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 223.32</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TRAN" target="mondo"><strong>Dow Jones Transportation</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 3,158.74</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 119.69</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$UTIL" target="mondo"><strong>Dow Jones Utilities</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 350.69</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 10.96</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,796.52</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 49.20</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$NDX" target="mondo"><strong>Nasdaq 100</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,446.28</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 35.06</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 896.42</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 26.91</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$MID" target="mondo"><strong>S&P Mid-Cap 400</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 565.03</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 19.21</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SML" target="mondo"><strong>S&P Small-Cap 600</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 263.12</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 11.11</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$RUT" target="mondo"><strong>Russell 2000</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 497.21</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 20.25</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$NYA" target="mondo"><strong>NYSE Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 5,775.24</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 178.77</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$XAX" target="mondo"><strong>AMEX Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,567.05</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 26.32</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 3.50</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 0.05</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$DWC" target="mondo"><strong>Wilshire 5000</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 9,201.07</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 276.51</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA2_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA2_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/A/TA2_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/A/TA2_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr> <tr><td colspan="3" align="center"><br> <font face="Arial, Helvetica, sans-serif" size="-1"> <a href="privacy.cfm" onclick="javascript:infobox('privacy.cfm','600','400'); 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