As you move into your 30's and 40's and aremore likely to be a higher earner, you'll want tostart socking away a higher percentage of yourearnings. At this time in your life, we'll alsohelp you assess an appropriate balance of howmuch you should be putting away forretirement versus how much you should beputting away for other important needs, suchas home buying or your children's education.

Even if you've missed investing in your earlieryears, there are ways to help make up thedifference, even into your 50's and 60's. Whileyou'll want to take on less investment risk withyour money during these years, building orfine-tuning your retirement plan is critical atthis point in your lifecycle. This is the timewhen its most important to realistically assessyour retirement goals and whether you'veplanned appropriately to meet them.

Once you've finally reached retirement, it'simportant to make sure your money not onlylasts, but also continues working for you.Contrary to what most people believe, yourretirement plan doesn't end when you startretirement. As your financial consultant, we'llhelp you determine which parts of your planshould be spent first, and how to allocate theremainder of your dollars.

Lets Get Started

Taking a realistic look at what you will needthroughout your retirement years is animportant first exercise that your financialconsultant can help you to project. Whileretirement may seem like a long way away, theearlier you start, the easier it'll be to get there.While only you can make the decision to beprepared for your retirement, First Allied canhelp you build, maintain and stay on track witha plan to help get you there. Let us help you onyour way to a comfortable retirement. Please

Eric Webster, MBAFinancial & Investment Consultantwww.MindPowerCapital.com

3519 E. Shea Blvd., Suite 132Phoenix, AZ 85028602-728-0145 (Direct)602-980-0017 (Cell)602-728-0035 (Fax)ewebster@rr.firstallied.com

RetirementPlanning

Asset allocation does not guarantee against loss; rather it is a method used to manage risk.Your investment objectives, time horizon and risk tolerance will drive your asset allocationand help you determine the right balance for you.

Distributions from traditional, deductible IRAÂ’s are taxed as ordinary income and, if takenprior to reaching age 59 1/2, may be subject to an additional ten percent federal tax penalty.Withdrawals must begin by April 1 of the year after the year in which you reach age 70 1/2.

The figures in this chart are based on a hypothetical 8% annual rate of return anddo not reflect the effect taxes. Fees or charges have not been considered, whichwould affect these numbers. Generally, retirement vehicles are not subject to taxuntil withdrawn. Actual results will vary. This is only an example of compoundinginterest and is not meant to represent the performance of any investment.

Many people underestimate how much moneythey will need to maintain their lifestyle in theirretirement years. Factors such as inflation, adiminishing Social Security system and risingcosts of healthcare can all quickly erode ourhard-earned savings. With life expectanciesincreasing, many people spend up to one-thirdof their lifespan in retirement. This is why itsessential for you take the necessary steps toprepare for these years, and put yourinvestments to work to account for them.Actively planning for your retirement may beone of the most important choices you'll evermake, and its never too soon to start, or toolate to make adjustments. At First AlliedSecurities, Inc., we'd like to help with yourretirement planning.

| Actively planning for your retirement

may be one of the most important

choices you'll ever make |

The Importance of Starting Early

While retirement may seem like its years away,taking advantage of investment opportunitiesearly on in your career could make asubstantial difference in how much youaccumulate. As you get older, the number ofoptions available to you will decrease. A solidretirement plan will help make sure youcapitalize on what is available to you. Forexample, in your earlier years, you may wish totake on a higher level of risk with yourinvestments, while you still have time to makeup for market downturns. In fact, early in your

career, the biggest investment risk is not beinginvested at all. As you get closer to retirement,however, you'll want to select investments withlower risks.

| ...early in your career, the biggest

investment risk is not being invested

at all. |

Most people underestimate how far traditionalsources of retirement income will take them.Over the years, the amount of Social Securitypaid out to retirees has steadily decreased.Depending on this income as a means tosupport a lifestyle is not an option for most.Social Security funds should be considered asupplement to retirement income, not amainstay.

Similarly, while it's essential to take advantageof company-sponsored, tax-advantagedretirement plans, such as 401ks and SEPs, theseplans alone still may not be enough.Understanding how your plan works andmaking sure it's properly invested is animportant start. Yet most people will need tosupplement these plans with additionalinvestment strategies to make up thedifference between what these plans accountfor and what they'll really need in retirement.At First Allied Securities, Inc., we'd like to helpyou determine what additional steps are rightfor you.

Strategies for Success

While a comfortable retirement is an attainablegoal, it does require some in-depth strategicplanning, which includes some well thought

out lifecycle management. During differentstages in your life, it will be important for youto invest different amounts of income intodifferent types of investments in order to makethe most of what is available to you. Properasset allocation - the concept of diversifyingyour investments between an appropriate mixof stocks, bonds and cash - will play animportant role in this task.

Early in your career you have the mostpowerful advantage on your side: time. While itmay seem early to set aside money in your 20'sand 30's for retirement, this is when the powerof compounding interest can benefit you themost. Investing even a small amount regularlycan accumulate into quite a large sum.

The chart on this page compares variousinvestment amounts and how they add upover the course of 25 years.

The figures in this chart are based on a hypothetical 8% annual rate of return anddo not reflect the effect taxes. Fees or charges have not been considered, whichwould affect these numbers. Generally, retirement vehicles are not subject to taxuntil withdrawn. Actual results will vary. This is only an example of compoundinginterest and is not meant to represent the performance of any investment.

Many people underestimate how much moneythey will need to maintain their lifestyle in theirretirement years. Factors such as inflation, adiminishing Social Security system and risingcosts of healthcare can all quickly erode ourhard-earned savings. With life expectanciesincreasing, many people spend up to one-thirdof their lifespan in retirement. This is why itsessential for you take the necessary steps toprepare for these years, and put yourinvestments to work to account for them.Actively planning for your retirement may beone of the most important choices you'll evermake, and its never too soon to start, or toolate to make adjustments. At First AlliedSecurities, Inc., we'd like to help with yourretirement planning.

| Actively planning for your retirement

may be one of the most important

choices you'll ever make |

The Importance of Starting Early

While retirement may seem like its years away,taking advantage of investment opportunitiesearly on in your career could make asubstantial difference in how much youaccumulate. As you get older, the number ofoptions available to you will decrease. A solidretirement plan will help make sure youcapitalize on what is available to you. Forexample, in your earlier years, you may wish totake on a higher level of risk with yourinvestments, while you still have time to makeup for market downturns. In fact, early in your

career, the biggest investment risk is not beinginvested at all. As you get closer to retirement,however, you'll want to select investments withlower risks.

| ...early in your career, the biggest

investment risk is not being invested

at all. |

Most people underestimate how far traditionalsources of retirement income will take them.Over the years, the amount of Social Securitypaid out to retirees has steadily decreased.Depending on this income as a means tosupport a lifestyle is not an option for most.Social Security funds should be considered asupplement to retirement income, not amainstay.

Similarly, while it's essential to take advantageof company-sponsored, tax-advantagedretirement plans, such as 401ks and SEPs, theseplans alone still may not be enough.Understanding how your plan works andmaking sure it's properly invested is animportant start. Yet most people will need tosupplement these plans with additionalinvestment strategies to make up thedifference between what these plans accountfor and what they'll really need in retirement.At First Allied Securities, Inc., we'd like to helpyou determine what additional steps are rightfor you.

Strategies for Success

While a comfortable retirement is an attainablegoal, it does require some in-depth strategicplanning, which includes some well thought

out lifecycle management. During differentstages in your life, it will be important for youto invest different amounts of income intodifferent types of investments in order to makethe most of what is available to you. Properasset allocation - the concept of diversifyingyour investments between an appropriate mixof stocks, bonds and cash - will play animportant role in this task.

Early in your career you have the mostpowerful advantage on your side: time. While itmay seem early to set aside money in your 20'sand 30's for retirement, this is when the powerof compounding interest can benefit you themost. Investing even a small amount regularlycan accumulate into quite a large sum.

The chart on this page compares variousinvestment amounts and how they add upover the course of 25 years.

The figures in this chart are based on a hypothetical 8% annual rate of return anddo not reflect the effect taxes. Fees or charges have not been considered, whichwould affect these numbers. Generally, retirement vehicles are not subject to taxuntil withdrawn. Actual results will vary. This is only an example of compoundinginterest and is not meant to represent the performance of any investment.

Many people underestimate how much moneythey will need to maintain their lifestyle in theirretirement years. Factors such as inflation, adiminishing Social Security system and risingcosts of healthcare can all quickly erode ourhard-earned savings. With life expectanciesincreasing, many people spend up to one-thirdof their lifespan in retirement. This is why itsessential for you take the necessary steps toprepare for these years, and put yourinvestments to work to account for them.Actively planning for your retirement may beone of the most important choices you'll evermake, and its never too soon to start, or toolate to make adjustments. At First AlliedSecurities, Inc., we'd like to help with yourretirement planning.

| Actively planning for your retirement

may be one of the most important

choices you'll ever make |

The Importance of Starting Early

While retirement may seem like its years away,taking advantage of investment opportunitiesearly on in your career could make asubstantial difference in how much youaccumulate. As you get older, the number ofoptions available to you will decrease. A solidretirement plan will help make sure youcapitalize on what is available to you. Forexample, in your earlier years, you may wish totake on a higher level of risk with yourinvestments, while you still have time to makeup for market downturns. In fact, early in your

career, the biggest investment risk is not beinginvested at all. As you get closer to retirement,however, you'll want to select investments withlower risks.

| ...early in your career, the biggest

investment risk is not being invested

at all. |

Most people underestimate how far traditionalsources of retirement income will take them.Over the years, the amount of Social Securitypaid out to retirees has steadily decreased.Depending on this income as a means tosupport a lifestyle is not an option for most.Social Security funds should be considered asupplement to retirement income, not amainstay.

Similarly, while it's essential to take advantageof company-sponsored, tax-advantagedretirement plans, such as 401ks and SEPs, theseplans alone still may not be enough.Understanding how your plan works andmaking sure it's properly invested is animportant start. Yet most people will need tosupplement these plans with additionalinvestment strategies to make up thedifference between what these plans accountfor and what they'll really need in retirement.At First Allied Securities, Inc., we'd like to helpyou determine what additional steps are rightfor you.

Strategies for Success

While a comfortable retirement is an attainablegoal, it does require some in-depth strategicplanning, which includes some well thought

out lifecycle management. During differentstages in your life, it will be important for youto invest different amounts of income intodifferent types of investments in order to makethe most of what is available to you. Properasset allocation - the concept of diversifyingyour investments between an appropriate mixof stocks, bonds and cash - will play animportant role in this task.

Early in your career you have the mostpowerful advantage on your side: time. While itmay seem early to set aside money in your 20'sand 30's for retirement, this is when the powerof compounding interest can benefit you themost. Investing even a small amount regularlycan accumulate into quite a large sum.

The chart on this page compares variousinvestment amounts and how they add upover the course of 25 years.

As you move into your 30's and 40's and aremore likely to be a higher earner, you'll want tostart socking away a higher percentage of yourearnings. At this time in your life, we'll alsohelp you assess an appropriate balance of howmuch you should be putting away forretirement versus how much you should beputting away for other important needs, suchas home buying or your children's education.

Even if you've missed investing in your earlieryears, there are ways to help make up thedifference, even into your 50's and 60's. Whileyou'll want to take on less investment risk withyour money during these years, building orfine-tuning your retirement plan is critical atthis point in your lifecycle. This is the timewhen its most important to realistically assessyour retirement goals and whether you'veplanned appropriately to meet them.

Once you've finally reached retirement, it'simportant to make sure your money not onlylasts, but also continues working for you.Contrary to what most people believe, yourretirement plan doesn't end when you startretirement. As your financial consultant, we'llhelp you determine which parts of your planshould be spent first, and how to allocate theremainder of your dollars.

Lets Get Started

Taking a realistic look at what you will needthroughout your retirement years is animportant first exercise that your financialconsultant can help you to project. Whileretirement may seem like a long way away, theearlier you start, the easier it'll be to get there.While only you can make the decision to beprepared for your retirement, First Allied canhelp you build, maintain and stay on track witha plan to help get you there. Let us help you onyour way to a comfortable retirement. Please

Eric Webster, MBAFinancial & Investment Consultantwww.MindPowerCapital.com

3519 E. Shea Blvd., Suite 132Phoenix, AZ 85028602-728-0145 (Direct)602-980-0017 (Cell)602-728-0035 (Fax)ewebster@rr.firstallied.com

RetirementPlanning

Asset allocation does not guarantee against loss; rather it is a method used to manage risk.Your investment objectives, time horizon and risk tolerance will drive your asset allocationand help you determine the right balance for you.

Distributions from traditional, deductible IRAÂ’s are taxed as ordinary income and, if takenprior to reaching age 59 1/2, may be subject to an additional ten percent federal tax penalty.Withdrawals must begin by April 1 of the year after the year in which you reach age 70 1/2.

As you move into your 30's and 40's and aremore likely to be a higher earner, you'll want tostart socking away a higher percentage of yourearnings. At this time in your life, we'll alsohelp you assess an appropriate balance of howmuch you should be putting away forretirement versus how much you should beputting away for other important needs, suchas home buying or your children's education.

Even if you've missed investing in your earlieryears, there are ways to help make up thedifference, even into your 50's and 60's. Whileyou'll want to take on less investment risk withyour money during these years, building orfine-tuning your retirement plan is critical atthis point in your lifecycle. This is the timewhen its most important to realistically assessyour retirement goals and whether you'veplanned appropriately to meet them.

Once you've finally reached retirement, it'simportant to make sure your money not onlylasts, but also continues working for you.Contrary to what most people believe, yourretirement plan doesn't end when you startretirement. As your financial consultant, we'llhelp you determine which parts of your planshould be spent first, and how to allocate theremainder of your dollars.

Lets Get Started

Taking a realistic look at what you will needthroughout your retirement years is animportant first exercise that your financialconsultant can help you to project. Whileretirement may seem like a long way away, theearlier you start, the easier it'll be to get there.While only you can make the decision to beprepared for your retirement, First Allied canhelp you build, maintain and stay on track witha plan to help get you there. Let us help you onyour way to a comfortable retirement. Please

Eric Webster, MBAFinancial & Investment Consultantwww.MindPowerCapital.com

3519 E. Shea Blvd., Suite 132Phoenix, AZ 85028602-728-0145 (Direct)602-980-0017 (Cell)602-728-0035 (Fax)ewebster@rr.firstallied.com

RetirementPlanning

Asset allocation does not guarantee against loss; rather it is a method used to manage risk.Your investment objectives, time horizon and risk tolerance will drive your asset allocationand help you determine the right balance for you.

Distributions from traditional, deductible IRAÂ’s are taxed as ordinary income and, if takenprior to reaching age 59 1/2, may be subject to an additional ten percent federal tax penalty.Withdrawals must begin by April 1 of the year after the year in which you reach age 70 1/2.