WE HELP YOU DO IF YOURSELF

Some investors and plan participants enjoy paying close attention to their finances and consider it to be a fun activity or hobby. They and others may feel more comfortable keeping control of the decisions to make changes. In some cases, they may want to add their own thinking and analysis to the process. We stand ready to aid you and provide important and valuable advice and guidance that you are not likely to get from other sources.

The services you will receive to help you achieve your financial goals are:

• Work with you to determine a suitable target asset allocation that will be based on your financial situation, plans and desires, risk tolerances, and what investments are available in your account(s). This first step is very important and should not be ignored even if you do it yourself.
• When the risk reduction models signal a change in recommended investment positions, you will be notified of what action should be taken and when. Almost always, the signals are based on Friday's closing data and the transactions are signaled for execution on Monday. You will be notified by e-mail and optionally by fax over the weekend so you can place your orders for Monday execution if you decide to do so.
• After each quarter you will receive a newsletter discussing the previous quarter's markets and the current status of the risk reduction models. It will also include an outlook about what type of forthcoming market action may generate the next signals and when they might occur. In addition, the recommended current sample asset allocations for a wide range of investors, which reflect the models' signals, will be shown. That information can help you align your investments with your financial goals in a way that increases your chances of acheiving those goals.
• Discuss your current financial position and objectives when you would like to do that. The goal is to see if you are on track and whether changes in your target allocations or investment tactics would be a good idea.

If you have questions, would like more information, or would like to discuss your personal situation to see how our services can help you, please e-mail to "retire -ATsign- pankin.com" or call (703) 524-0937 during normal business hours (Eastern time).