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INVESTMENT INFORMATION: The suggested investment objective and asset allocation are based on information you provide to us and are one of a number of approaches that may be appropriate given an investor's circumstances. This information should not be considered investment advice or serve as the sole or primary basis for making investment decisions. Instead, it should be considered together with all other information you deem important in making your investment decisions.

SERVICE PROVIDED: The service provided by this software is a one-time, non-discretionary service, the results of which are based on the market information available at that time. PPI recommends that individuals review their investment objective and strategy periodically, and at least annually. Any objectives-based options identified in these materials are presented only as options you may wish to consider. No information provided via this web site is a recommendation to buy or sell any mutual fund or other security, and there may be other investments available that investors may consider more appropriate to satisfy their goals. We are not responsible for a loss incurred on any investment nor do we represent or guarantee the suitability or potential value of any particular investment.

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Source of historical returns used in this program is Ibbotson Associates' study of returns from 1926 - 2002. Stocks = S&P 500 Index; Bonds = Intermediate-Term Government Bonds; Cash = 30 Day U.S. Treasury Bills. Future investment returns may be higher or lower than the averages cited here. It is important to understand that this or any investment calculation that is based on historical returns cannot predict the future.
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ASSUMPTIONS
DATA SOURCES: The data used for the purposes of portfolio analysis were provided by the following sources. Your use of this service is contingent on your having licenses to use Morningstar data for purposes consistent with your use of this software. By using this service, you are representing that you have such licenses.
      Stocks: Morningstar, Inc.
      Mutual Funds: Morningstar, Inc.
      Fixed Income: CUSIP, Standard and Poor's
      APT Risk Factors: BIRR Portfolio Analysis, Inc.

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