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The contents on this site are copyrighted by DirectAdvice, Incorporated and by certain other parties. A single copy may be downloaded and/or reprinted solely for personal and noncommercial use. Any downloaded or reprinted material may not be altered in any way and must contain the following copyright notice: "©2005 DirectAdvice, Incorporated" and any other copyright or other proprietary rights notices, which are contained on the downloaded material. Any other use of the material, either in whole or in part for any other reason is expressly prohibited, unless prior written consent is obtained from DirectAdvice, Incorporated.

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Terms of Use

DirectAdvice, Incorporated ("DirectAdvice, Incorporated"), is a registered investment adviser.

The information contained on the DirectAdvice site is not intended, nor is it implied, to be a substitute for the professional advice you would receive from an accountant, attorney or qualified tax preparer. Always seek the advice of an accountant, attorney, qualified tax preparer or another registered investment advisor, with any questions you may have regarding the decisions you undertake as a result of using the information and advice on the DirectAdvice site.

Certain links on this site will let you leave the DirectAdvice site. The linked sites are not under the control of DirectAdvice and DirectAdvice is not responsible for the contents of any linked site or any link contained in a linked site. We provide these links for your convenience only, and the inclusion of any link does not imply endorsement by DirectAdvice of any such linked site.

Performance figures are hypothetical and cannot guarantee future comparable results. Investment return and principal value will fluctuate. Investing in stocks, bonds, mutual funds and variable annuities does not guarantee a profit. All of these investments are subject to investment risks, including possible loss of principal invested. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or government agency. Money market funds are managed to maintain a stable price of $1.00 per share although there is no guarantee that a particular money market fund will be able to maintain this stable value.

The DirectAdvice Financial Planning Tool analyzes a host of personal factors, including your dependent status, income, retirement goals, debt status, insurance needs, estate planning status, social security, savings, cash reserve, investments, taxes and other information (e.g., your age and targeted goals) that we consider reasonable in making a suitable investment recommendation or range of recommendations to meet your articulated objectives and estimated targets. This analytical tool makes certain economic assumptions, such as inflation and interest rates. Through the use of a set of predetermined assumptions, which can be adjusted according to your preferences, the DirectAdvice Financial Planning Tool produces both a preliminary assessment and summary that includes a financial snapshot of where you are today and a determination of whether you are on track to reach your specific goals. Please review the related assumptions carefully. Of course, these economic assumptions can change over time in response to certain market events, which could have an adverse effect on the planning goals presented to you. The DirectAdvice Financial Planning Tool may under or over compensate for the impact, if any, of certain market factors, and the analysis may change over time with respect to the same investments.

IMPORTANT: The information generated by The DirectAdvice Financial Planning Tool regarding the probabilities that the various investment outcomes might occur are hypothetical in nature, do not reflect actual investment results and are not guarantees of future investment results. The DirectAdvice Financial Planning Tool only presents a range of possible outcomes.

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