Past performance never guarantees future results. Inherent in any individual security, investment product or investment management program is the potential for profits as well as the risk of loss. No one can consistently predict, time or control market conditions or investment performance. Consult your financial advisor, tax advisor, attorney and other professional advisors before making any financial decision or taking any investment action. The information and web-site links we provide are strictly a courtesy. All interest rates or portfolio examples are for illustration purposes only. Individual results may vary. Securities and Advisory Services offered through Retirement Lifestyles Advisory Group, a CA State registered investment advisor.