The Capabilities of Foley and Foley Wealth Strategies

Kevin P. Foley, ChFC®, CLU®

Luke A. Fields, Financial Advisor

450 W Wilson Bridge Rd

Suite 100

Worthington, OH 43085

614-431-4310

877-854-0936

www.foleywealthstrategies.comFoley & Foley Wealth Strategies is independent of Raymond JamesSecurities offered through Raymond James Financial Services, Inc.Member FINRA/SIPC

RAYMOND JAMESINDIVIDUAL SOLUTIONS FROM INDEPENDENT ADVISORS

What Makes Us Unique?

Our Process

Your Wealth Strategy Team

OVERVIEW

Our Mission

To provide comprehensive, experienced advice to build, manage and preserve

the wealth of our clients.

Our Approach

Since 1981, we have served our clients with a consultative, team-based

approach that examines all aspects of their financial lives. We put our clients’

interests above our own or those of our firm.

Our Objective

To accomplish our mission profitably, while giving back

to our community.

What Makes Us Unique?

Our Financial Approach: Three Stages

Financial Planning

Portfolio Portfolio ConstructionConstruction

Analyze, Communicate and

Educate

Stage 1: Financial Planning

Analyze

Develop

Implement

Monitor

Define Goals,

Financial and Life

Asset Allocation

Diversification

Manager Selection

Portfolio Construction

Monitor and

Rebalance

A Disciplined Process

This process is a

dynamic, team-based

endeavor.

To be most effective

it should include the

client, relevant

members of his or

her family, our team,

select Raymond

James specialists and

outside professionals

where appropriate.

OVERVIEW Our Process

AnalyzeIn order to choose the proper wealth strategy of investments and services for your family, it is important for us to understand not only your current assets, but more importantly to understand you. We use a variety of tools including questionnaires and interviews to understand your personal goals, current financial situation, investment experience and risk tolerance.

DevelopOur team analyzes the information you share with us and designs solutions intended to help you reach your objectives. This step may involve collaboration with other specialists or your existing professionals. We present our recommendations to you, answer your questions, consider alternatives and outline the steps we need to take to implement your plan.

Implement In this step, we execute your customized strategy using the extensive tools available to us through Raymond James. This involves the selection of specific account types, investment products and optional services; we then complete the necessary paperwork in a coordinated approach.

MonitorOne of our strengths is portfolio management. We daily monitor our clients’ investments and research economic trends. A key to this step is your involvement in the process and communication of any significant changes in your life. Through regular, periodic meetings with you, we will analyze the progress of your plan, and as needed, reposition the portfolio to reach your goals.

Step 1: Analyze

Communication is the key to a successful

investment management relationship.

Discover “How much is enough?”

Define your Goals Understand your:

Current Assets and Insurance Risk Tolerance Tax Implications Estate Planning

B

ASeek to Fully

Understand Where

You Are Now

Clarify and Plan

Where You

Want To Go

Step 2: Develop Strategy

Our success consists of developing a strategy focused on

financial planning, proper asset allocation and risk.

Investment Proposal Asset Allocation Diversification

Income Needs Insurance Strategy Tax Strategy Estate Planning Coordination with Key

Advisors

Every decision we make will be thoroughly explained and focused on

achieving the results you want.

Step 3: Implement

One of our strengths is Portfolio Management.

Proper Implementation Selection of best investment managers Due Diligence Research

Raymond James Industry Analysts

Step 4: Monitor

Continuous Monitoring Portfolio Progress Adjustment for life and market changes Regular Face to Face Reviews

We thoroughly monitor our clients’ investments

and research economic trends.

Significant life events such as retirement and wealth transfer are complex and require careful planning.

Individual investors have historically underperformed relevant benchmarks and institutional investors.

Emotional factors and natural biases lead individual investors to poor market timing decisions.

Why Hire a Professional Financial Advisor?

Past performance is no guarantee of future results. Source: AllianceBernstein Investments. © 2006 DALBAR, Inc. This information is for illustrative purposes and seeks to demonstrate the virtues of a buy-and-hold strategy rather than trying to time the market. The calculations assume a $10,000 initial investment over the specified time period

from 1984 through 2006.

11.9%

9.7%

1.8%3.0%

3.9%

Lehman Aggregate

BondIndex

AverageBondFund

Investor

AverageStockFund

Investor

InflationS&P 500

Individual Investors Have Underperformed

Annualized Returns 1984-2006

Additional Chart Disclosures

• The fact that buy-and-hold has been a successful strategy in the past does not guarantee that it will continue to be successful in the future.

• The average (equity and fixed income) investor refers to the universe of all (equity or fixed income) mutual fund investors whose actions and financial results are restated to represent a single investor. Average (equity and fixed) investor returns are represented by a change in assets, excluding sales charges, redemptions and exchanges.

• This method of calculation captures realized and unrealized capital gains, dividends, interest, trading costs, sales charges, fees, expenses and any other costs.

• Equity performance is represented by the Standard & Poor's 500 Composite Index (an unmanaged index of 500 widely held stocks). Fixed Income performance is represented by the Lehman Brothers Aggregate Bond Index (an index which measures changes in the fixed rate debt issues rated investment grade or higher. The aggregate index is comprised of the government/corporate, the mortgage-backed securities and the asset-backed securities indices).

• Inflation rate represents the monthly value of the consumer price index and is converted to a monthly rate. The monthly rates are used to compound a "return" for the period under consideration.

• An investor cannot invest directly in an index. Index returns do not reflect the deduction of fees, trading costs or other expenses.

Source: Investment Company Institute. The categories listed above, Equity and Fixed Income, represent those funds categorized as such by the Investment Company Institute.

There is no assurance that past trends will continue into the future.

Investors Tend to Chase Investment Returns

Net flows by broad investment categories at major inflection points in the market.

Result:Many Investors Buy High and Sell Low

2000 2002

Stock Funds Stock FundsBond Funds Bond Funds($ billions)

$140.50$262.80

-$29.10

($ billions)

-$49.90

The Market: Brutal Declines amid Long-Term Rise

Past performance does not guarantee future results. No fees or expenses are reflected in the performance of the index. An investor cannot invest directly in an index, and an index’s results are not indicative of any specific investment.Source: Compustat; Roger G. Ibbotson and Rex A. Sinquefield, “Stocks, Bonds, Bills, and Inflation: Year-by-Year Historical Returns,” University of Chicago Press Journal of Business (January 1976); and Bernstein Global Wealth Management

Growth of$100,000

$55.0 mil.

(15)%(30)%

(17)%

(43)%

(29)%

(16)%

(22)%

(15)%

(41)%

(15)%

50 59 68 77 87 96 05

Source: AllianceBernstein Investments. 2005 Survey of Financial Advisors on Asset Allocation

The Most Detrimental Investor Mistakes

Not paying enough attention to asset allocation 33%

Having too much money in one

investment16%

Buying overvalued investments

8%

Other1%

Holding on to investments too long

11%

Trying to time the market31%

Institutions: A Disciplined Process

THE RESULT:

Institutional investors generally stick to their investment plans,

which may give them a better chance at meeting goals.

Institutions: A Disciplined Process

Analyze

Develop

Implement

Monitor

Define Goals,

Financial and Life

Asset Allocation

Diversification

Manager Selection

Portfolio Construction

Monitor and

Rebalance

Source: Brinson, Beebower and associates, “Determinants of Portfolio Performance,” 1986, updated 1991 and 1995. Asset allocation does not ensure a profit or protect against a loss.

Stock Selection 4.6%

Why Asset Allocation Matters?

Factors in Portfolio Volatility

Asset Allocation Decisions

91.5%

Market Timing 1.8%

Other 2.1%

Asset Allocation Can Help Manage Risk

Index Descriptions

Our Financial Approach: Three Stages

Financial Planning


Analyze, Communicate and

Educate

Stage 2: Portfolio Development

A Disciplined Approach to Building and Preserving Wealth

Step 1: Diversify Across Asset Classes Blend Growth and Value Invest in Large and Small Company Stocks Tangible Assets: REITs and Commodities

Step 2: Globalize the Portfolio

Step 3: Rebalance Portfolio

Step 4: Tax Management

Every Investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Investing involves risk

and you may incur a profit or loss regardless of strategy selected. This material is not a recommendation to buy or sell any individual security or any combination of securities.

Be sure to contact a qualified professional regarding your particular situation before making any investment.

U.S. Stocks

(29.2)%

(42.7)

(14.2)

(17.2)

(29.6)

(14.7)

(13.4)

(40.9)

(25.2)%

2.2%

4.6

1.5

21.7

2.3

5.2

4.7

36.5

9.8%

Dec 68–Jun 70

Jan 73–Sep 74

Jan 77–Feb 78

Dec 80–Jul 82

Sep 87–Nov 87

Jun 90–Oct 90

May 98–Aug 98

Apr 00–Mar 03

AveragePast performance does not guarantee future results. U.S. stocks are represented by the S&P 500 Index with monthly dividends reinvested. Bonds are represented by five-year U.S. Treasury bonds. Treasury securities provide fixed rates of return as well as principal guarantees if held to maturity. Investment returns and principal value of a mutual fund will fluctuate, so that shares, when redeemed, may be worth more or less than their original cost. No fees or expenses are reflected in the performance of the index. An investor cannot invest directly in an index, and an index’s results are not indicative of any specific investment.Source: Center for Research in Security Prices, Standard & Poor’s

U.S. Bonds

The Benefit of Low Correlation

Past performance does not guarantee future results. Diversification does not assure a profit or protect against a loss in a declining market. Correlation with the stock market is a measure of the standard deviation of various benchmarks to the Russell 3000, a common measure of the performance of the broad U.S. stock market. The indexes used to represent each asset class were: U.S. Growth Stocks: Russell 3000 Growth Index; U.S. Value Stocks: Russell 3000 Value Index; U.S. Small-Cap Stocks: Russell 2000 Index; International Stocks: MSCI EAFE Index; REITs: National Association of Real Estate Investment Trusts (NAREIT) Index; Intermediate-Term Bonds: Lehman Brothers Aggregate Bond Index; Short-Term Bonds: Merrill Lynch 1-3 Year Treasury Index. Cash: Citigroup 3-Month Treasury-Bill. T-Bills provide fixed rates of return as well as principal guarantees if held to maturity.Source: Zephyr Style Advisor, Russell Investment Group, Lehman Brothers, Merrill Lynch, MSCI, NAREIT and AllianceBernstein December 31, 2007

US Growth

International

US Value

Short-Term Bonds

REITs

No Correlation 0

High Correlation 1.0

1985–2007

US Small-Cap

Intermediate-Term Bonds

High Yield

Diversify Across Asset Classes

The Power of Diversification

A

B

A and B

12%

10%

11%

Average Annual Return

(26)%

30

2

50%

(10)

20

Year 2Year 1

$100

Year 1 Year 2

$111

A $117

B

$122

A and B

Source: AllianceBernstein. Diversification does not assure a profit or protect against a loss in a declining market. This is a hypothetical example.

Portfolio Development









Past performance does not guarantee future results. The chart above shows the average annual historical return of investments in “growth” stocks, as represented by the Russell 3000 Growth Index, and “value” stocks, as represented by the Russell 3000 Value Index. These returns do not include fees and expenses associated with an investment in a mutual fund. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any Alliance Bernstein mutual fund. Please see end of presentation for index definitions. Source: Russell Investment Group and Alliance Bernstein

Blend Growth and Value

Annualized Returns

Value Stocks

Growth Stocks

80 81–88 89–91 92–93 94–99

00–06

59%71%

79%90%

12-Months 3-Year 5-Year 10-Year

Past performance does not guarantee future results.Rolling periods are measured from January 1, 1970 through December 31, 2006The 50/50 growth and value composite is a hypothetical composite comprising 50% of the Citigroup/PMI Growth Index and 50% of the Citigroup/PMI Value Index. The 50/50 portfolio is rebalanced monthly, as necessary, to maintain its growth and value proportions; transaction charges for rebalancing are not taken into account An investor cannot invest directly in an index, and its results are not indicative of any specific investment. Please see end of presentation for index definitions.Source: Citigroup, Fama/French, Standard & Poor’s and AllianceBernstein

Blending Styles Adds Consistency% of Time Rebalanced 50/50 Blend Outperformed the

S&P 5001970–2006

Rolling Periods

Observations432 409 385 325

•Past performance is no guarantee of future results. • An investment cannot be made directly in an index. • Hypothetical value of $1 invested at the beginning of 1980. Assumes reinvestment of income and no transaction costs or taxes. This is for illustrative purposes only and not indicative of any investment. • Source: Created by Raymond James using Ibbotson Presentation Materials ©2009 Morningstar, Inc. All rights reserved. Used with permission.

Large and Small Company Investing

Hypothetical value of $1 invested at year-end 1968. Assumes reinvestment of income and no transaction costs or taxes.

Year-End 1980 – 2008$100

10

1

0.60

1980 1985 1990 1995 2000 2005

$41.28

$26.56

$8.51

$6.82

13.7%12.07.76.8

Compound Annual Return Small Value Large Value Large Growth Small Growth

Past performance is no guarantee of future results. • An investment cannot be made directly in an index. • Hypothetical value of $1 invested at the beginning of 1980. Assumes reinvestment of income and no transaction costs or taxes. This is for illustrative purposes only and not indicative of any investment. • Source: Created by Raymond James using Ibbotson Presentation Materials ©2009 Morningstar, Inc. All rights reserved. Used with permission.

Stocks, Commodities, REITs and Gold

Hypothetical value of $1 invested at year-end 1985. Assumes reinvestment of income and no transaction costs or taxes.

$100

0.50

1

1980

10

1985 1995 2000

$1.66

$19.30

$13.94

$6.39

$14.65

20051990

10.7%9.79.56.61.8

Compound Annual Return

U.S. Stocks REITs International Stocks Commodities Gold

1980 – 2008

Past performance is no guarantee of future results.Source: Morningstar, Inc. as of 9/30/06. Correlation is a measure of the degree to which two variables are related. Commodities are represented by the GSCI. US stocks, real estate, international stocks, bonds and cash are represented by the S&P 500, MSCI US REIT Index, MSCI EAFE Index, Lehman Brothers Aggregate Bond Index and the 3-month Treasury bill, respectively.It is not possible to invest directly in an index. Index returns assume reinvestment of all distributions and do not reflect the expenses, fees or taxes of managing a mutual fund.

Commodities in a Portfolio

Total return correlation 9/30/96 to 9/30/061.00

-0.02 -0.03

0.03

-0.08

0.01

-0.2

0.0

0.2

0.4

0.6

0.8

1.0

Commodities US Stocks Real Estate(REITs)

InternationalStocks

Bonds Cash

A figure of 1.0 equals perfect positive correlation. A figure of -1.0 equals a total negative correlation.

Historically Low Correlation with Other Asset Classes

Performance is historical and does not guarantee future results. The graph above is for illustrative purposes only and does not represent the performance or risk of any DWS product. Source: Morningstar, Inc., as of 12/31/05. Stocks and bonds are represented by the S&P 500 Index and the Lehman Brothers Aggregate Bond Index, respectively. Commodities are represented by the Goldman Sachs Commodities Index. The indices include reinvestment of all distributions and do not reflect the fees, taxes or expenses involved in managing a mutual fund. It is not possible to invest directly in an index.

Commodities in a Hypothetical Portfolio

Performed Well When Interest Rates Increased, 12/31/75-12/31/05

20.6%

15.2%

11.5%13.4%

2.4%

7.3%

0%

5%

10%

15%

20%

25%

Years when interest rates declined Years when interest rates increase

CommoditiesStocksBonds

1970

34%

66%

2006

55%45%

2030*

27%

73%

Non-U.S. companies account for a growing share of the global market

The Case for Global Investing

Source: Standard & Poor’s; Morgan Stanley Capital International. U.S. companies represented by of the S&P 500® Index.1Non-U.S. companies represented by of the MSCI EAFE®1 Index. Index performance is hypothetical and is shown for illustrative purposes only. You cannot invest directly in an index.

*Projected data for the year 2030 are calculated using the rate of growth since 1970.

Non U.S. Companies U.S. Companies

Past performance does not guarantee future results. Diversification does not guarantee a profit or protect against a loss.

Through December 31, 2006 US Stocks are represented by the S&P 500 Index of stocks. Foreign stocks are represented by the MSCI (Morgan Stanley Capital International) EAFE Index. The chart presents various combinations of the US and Foreign Stock components, including the highlighted 70% U.S/30% foreign combination. Volatility is defined as the annualized standard deviation of portfolio returns for the period from 1970 to 2006. An investor cannot invest directly in an index, and its results are not indicative of any specific investment. Source: MSCI, Standard & Poor’s and AllianceBernstein

Historical Risk/Return of Global Portfolios

13

14

15

16

17

0 10 20 30 40 50 60 70 80 90 100

1970−2006

% in international stocks

Lower volatility

Volatility (%)

International

StocksBonds

US

Style BlendBalanced Wealth Asset Allocation

The above is a hypothetical illustration only and is not intended to represent any particular investment. The asset allocation that is right for each individual will vary.

Geographic Mix

Multiple Levels of Diversification

Global Diversification

30% Int'l

70% US

50%Growth

50%Value

50%Growth

50%Value

This art is for illustrative purposes only and not indicative of any investment. • An investment cannot be made directly in an index.Past performance is no guarantee of future results. March 1, 2006 • Source: Created by Raymond James using Ibbotson Presentation Materials © 2006 Ibbotson Associates, Inc. All rights reserved. Used with permission.

Stocks: 50% large- and 50% small-company stocks. Bonds: intermediate-term government bonds.

Importance of Rebalancing, 1988-2008

50%

50%

53%

47%

67%

33%

67%

33%

58%

42%

0

10

20

30

40

50

60

70% • Stock Allocation• Bond Allocation

2003 2008199819931988Year End

Disciplined Rebalancing: Buy Low and Sell High

As an asset class/style outperforms, trim investment

Buy

Upper trigger

Underperform

Strategic target

Outperform

Sell

Lower triggerAs an asset class/style underperforms,

add to investment


Tax-Management Techniques

AllianceBernstein L.P. does not provide tax advice. In considering this message, you should discuss your individual circumstances with your tax advisor before making any decisions.

BasicBasic Own Municipal Bonds, not Taxable Keep turnover low Avoid short-term gains Harvest losses to offset gains on stocks and bonds

AdvancedAdvanced Track holdings by tax lot Sell individual tax lots with the least tax cost Avoid wash sales

Potential Added Return from Tax Management

Avoiding Short-Term

Gains

Delaying Long-Term

Gains

+77 b.p.

+55 b.p.

+22 b.p.

Total Potential Added Return From Tax-Savvy Investing

Past performance does not guarantee future results.Based on a simulation of after-tax returns (assuming 2007 tax rates) over nearly three decades for a portfolio using Bernstein Global Wealth Management's actual research for the relevant period and current portfolio management techniques for Bernstein’s Strategic Value portfolios. This does not represent any past performance and is not a promise of actual future results.Source: AllianceBernstein

The Benefit of Tax Management

Distribution Planning

Applying a systematic and disciplined strategy

for income distribution is vital.

Controllable Consistency of Returns

The volatility of returns Withdrawal Rate

How much to distribute Method of Distribution

Order of which accounts Tax implications

Uncontrollable Sequence of Returns

Order of which returns are earned

Sequence of Returns Matter

Case Study

Investor Jim

Retirement Age 62

Retirement Savings

$2,000,000 Portfolio

Taxable account $1,000,000

Tax-deferred $1,000,000

Desired Income $150,000 (pre-tax) per year adjusted for the previous year’s inflation rate

Time Period 20 years (1983-02)

Illustrates the impact of the timing of returns.

Investment Portfolio 100% large cap equities (S&P 500 index)

Sequence of Returns Matter

Returns in actual order 1983-2002

Returns in Reverse order 2002-1983

Portfolio Start Value $2,000,000 $2,000,000

Total Income 20 years $4,259,829 $2,579,988

Average Annual Return 12.71% 12.71%

Standard Deviation 16.91 16.91

Ending Value $8,641,985 $0

Increase in Ending Value

Due to Sequence of Returns

$8,641,985

Hypothetical Portfolio of 100% Large Cap Equities

The investment profile is hypothetical, and the asset allocations are presented only as examples and are not intended as investment advice.Please consult your financial advisor if you have questions about these examples and how they relate to your own financial situation.

Illustrates the impact of the timing of returns.

Foley & Foley Wealth Strategies Process

Financial Planning


Analyze, Communicate and Educate

Stage 3: Analyze, Communicate and Educate

Monitor your Financial Plan “Are We on Target?”

Monitor your Investments Review Global Financial Markets Evaluate Managers vs. Peers &

Benchmarks Rebalance Portfolio Maximize After-Tax Returns

Commitment to Communication

Our mission is to provide comprehensive, experienced advice

to build, manage and preserve the wealth of our clients.

Review Meetings Regular, periodic meetings Quarterly Newsletter Regular Emails Personal Notes

Coordination between Key Advisors CPA Estate Attorney

Client Education Client Workshops: Economic and Market Update Analyst Outlook and Insight Appreciation Events

Commitment to Communication

Communication is the key to a successful

investment management relationship.

Kevin P. Foley, ChFC®, CLU® Founder and President, Foley & Foley Wealth Strategies Registered Principal, RJFS 28 years of industry experience, including 11 years with Raymond James Responsible for investment management and business development Enjoys traveling, racquetball and spending time with family and grandkids Coached wrestling for 11 years, from 1997-2008 Kevin is an active member in his church, serving as an Elder

Luke A. Fields Vice President, Foley & Foley Wealth Strategies Financial Advisor, RJFS Responsible for financial planning and investment management BSBA, The Ohio State University, Fisher College of Business Enjoys all athletics, traveling and spending time with his growing family Luke is an active member in his church, serving in Leadership, as an Usher

and on the Finance Committee

Foley & Foley Wealth Strategies

Your Wealth Management Team

Private Money Managers

Alternative Investment Specialist

Insurance Specialists

Corporate Trust Services

Concentrated Stock Specialist

Trading and Research

Private Client and FamilyCPA Attorney

Raymond James

Raymond James Financial Advisors at

OVERVIEW The Raymond James Advantage

• Member of the Fortune 1000

• Total client assets under administration over $214.8 billion*

• Asset management subsidiaries manage in excess of $37.1 billion* of financial assets for individuals, pension plans and municipalities.

• 3,500 support associates located in corporate locations

• Raymond James has more than 2,200 branch locations throughout the United States, Canada and overseas. The firm also maintains an array of affiliated international offices including Paris, Nice, Cannes, Brussels, Buenos Aires, Dusseldorf, Stuttgart, Luxembourg, Geneva, Lausanne, Istanbul and Montevideo.

*As of 12/31/07

Raymond James: A Firm With Substantial Size

Keys to Our Relationship

Our goal: Your 100% satisfaction with the advice and service you receive.

Disclosure

Confidentiality

Communication

Referrals

In order for us to give you our best service, it is critical that you be as forthright as possible, providing us with complete and accurate information.

In disclosing this information, you can be assured that we take stringent measures to protect your privacy.

The success of our long-term relationship, and your long-term investment experience, depends on our maintaining an open, ongoing dialogue.

We will communicate with you regularly, openly and honestly about your financial plan, including fee schedules.

If you have a question or concern about the management of your account, your statement, your fees, or just something you heard from a friend, contact us about it. We are here to help.

We focus the majority of our time on our clients, and we are very selective in building our client base. We depend on our best clients to help us grow and maintain a high-quality practice by introducing us to people just like themselves.

Our Commitment to You

Since 1981, we have remained focused on our clients.

As professional, independent advisors with Raymond James,

our concentration is centered on your best interests.

The world in which we live, especially

the investment world, will constantly change.

Our commitment at Foley & Foley Wealth Strategies will not.

Kevin Foley , ChFC

Principal

614.431.4310 x105

Toll-Free: 877.854.0936

[email protected]

foleywealthstrategies.com

Gayle McKearin

Director of Client Relationships

614.431.4310 x104

Toll-Free: 877.854.0936

[email protected]

Luke Fields

Financial Advisor

614.431.4310 x113

Toll-Free: 877.854.0936

[email protected]

foleywealthstrategies.com

Sandy Farner

Administrative and Service Associate

614.431.4310 x108

Toll-Free: 877.854.0936

[email protected]

Securities offered through

Raymond James Financial Services, Inc., member FINRA/SIPC

Anne Lonsway

Receptionist

614.431.4310

Toll-Free: 877.854.0936

Independent Firm

Compliance Disclosures

Investing in small-cap stocks generally involves greater risks and, therefore, may not be appropriate for every investor.

Please note that international investing involves special risks, including currency fluctuations, different financial accounting standards, and possible political and economic volatility.

U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government.

Standard deviation measures the fluctuation of returns around the arithmetic average return of investment. The higher the standard deviation, the greater the variability (and thus risk) of the investment returns.

Diversification does not ensure a profit or guarantee against a loss.

The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market.

High-yield (below investment grade) bonds are not suitable for all investors. When appropriate, these bonds should only comprise a modest portion of your portfolio.

Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate and complete. Past performance is not a guarantee of future results. Any opinions are those of Kevin Foley and Luke Fields and not necessarily those of RJFS or Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Keep in mind that there is no assurance that any recommendation or strategy will ultimately be successful or profitable not protect against a loss. Investments or strategies discussed may not be suitable for all investors.

Kevin P. Foley, ChFC®, CLU®

Luke A. Fields, Financial Advisor

450 W Wilson Bridge Rd

Suite 100

Worthington, OH 43085

614-431-4310

877-854-0936

www.foleywealthstrategies.comFoley & Foley Wealth Strategies is independent of Raymond JamesSecurities offered through Raymond James Financial Services, Inc.Member FINRA/SIPC

RAYMOND JAMESINDIVIDUAL SOLUTIONS FROM INDEPENDENT ADVISORS

The Capabilities of Foley and Foley Wealth Strategies

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Transcript of The Capabilities of Foley and Foley Wealth Strategies