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snowstorm that dumped as much as two feet of snow in parts of Massachusetts. Central Park inNew York City even set an October record with 1.3 inches of snow. And, this all happened beforeHalloween!

Likewise, the stock market has a habit of surprising investors with its ability to rise or falldramatically in short periods of time. For example, remember the Flash Crash? On May 6, 2010,

the U.S. stock market plunged for no apparent reason and briefly erased $862 billion from stockvalues in less than 20 minutes, according to Bloomberg. It then quickly rebounded.

As it relates to weather, we always know what season were in. One look at the calendar tells uswhether its winter, spring, summer, or fall. And, depending on where you live, you have a prettygood idea based on history of what to expect for each days temperature. But, just like theNortheast experienced, you can have an out of season experience that messes up your best-laidplans.

The stock market doesnt have four seasons, but it does have bull and bear markets, which arefurther divided into secular and cyclical. Market analysts have some general criteria that they use

to categorize the markets into these buckets. Yet, like the weather, you could be in a bull market,but still have a nasty market drop that temporarily derails the path of the bull.

Bottom line, just like weather forecasters, market analysts may have a sense for general conditionsin the market, but surprises still happen.

Weekly Focus Think About It

Sunshine is delicious, rain is refreshing, wind braces us up, snow is exhilarating; there is reallyno such thing as bad weather, only different kinds of good weather.

--John Ruskin, leading English art critic of the Victorian era

Best regards,

Your Monarch Team

P.S. Please feel free to forward this commentary to family, friends, or colleagues. If you wouldlike us to add them to the list, please reply to this e-mail with their e-mail address and we will askfor their permission to be added.

Securities offered through LPL, Member FINRA/SIPC.

* This newsletter was prepared by Peak Advisor Alliance. Peak Advisor Alliance is not affiliated with thenamed broker/dealer.

* The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to berepresentative of the stock market in general.

* The DJ Global ex US is an unmanaged group of non-U.S. securities designed to reflect the performanceof the global equity securities that have readily available prices.

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* The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since theU.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmarkfor the long-term bond market.

* Gold represents the London afternoon gold price fix as reported by the London Bullion MarketAssociation.

* The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodityfutures market. The Index is composed of futures contracts on 19 physical commodities and was launchedon July 14, 1998.

* The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of theReal Estate Investment Trust (REIT) industry as calculated by Dow Jones.

* Yahoo! Finance is the source for any reference to the performance of an index between two specificperiods.

* Opinions expressed are subject to change without notice and are not intended as investment advice or topredict future performance.

* Past performance does not guarantee future results.

* You cannot invest directly in an index.

* Consult your financial professional before making any investment decision.

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