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With all the activity going on in your life, time is of the essence. You need to make time to develop an investment strategy to help meet your long term financial goals. You know about mutual funds, IRAs, annuities, and retirement plans, but aren't sure which one or a combination of the instruments may best meet your needs. That is why it's important to develop a relationship with Capstone, a company whose Financial Professionals will meet with you, determine your goals and guide you through the decision-making process of what instrument will best suit your needs and puts you on target to achieve those goals.

Mutual Funds
A mutual fund is an investment company that invests the pooled monies of many investors. It provides greater professional management and diversification of investments that most investors can't obtain independently. Additional shares are continually offered to and redeemed by the public. Mutual funds can be invested for growth, income, tax-free income or a combination of objectives. A mutual fund is compiled of a professionally chosen and managed portfolio of securities. There are two basic costs to owning mutual fund shares. Some fund families levy sales charges on purchasing and/or redeeming shares. There are ongoing expenses that funds need to operate. These operating expenses are deducted from the funds returns.

Mutual funds are sold by prospectus. You should consider the fund's objectives, charges, expenses and risks carefully before you invest. The fund's prospectus, which can be obtained by calling your registered representative, contains this and other information about the fund. Please read the prospectus carefully before you invest or send money.

Investment Advisory Services
Through various asset allocation programs and individual money manager referral programs, investment advisors have access to a variety of investment programs for their clients.

Fee-based financial planning and investment consulting may also be offered by eligible Investment Advisor Representatives.

Individual Retirement Accounts
Individual Retirement Accounts help individuals save for retirement primarily by allowing them to invest money into an IRA on an annual basis. The money invested and any earnings on that money grow on a tax-deferred basis until withdrawn.

Variable Annuities
An annuity is a contract between the annuity owner and a life insurance company. A Variable Annuity offers a range of investments. The value of your annuity will depend upon the value of the investments you choose. The insurance company agrees to provide either a regular stream of income (an annuity) or a lump-sum distribution at some future time (generally, once the annuity owner retires or reaches age 59 1/2) in return for payment of one or more deposits. Payment of lifetime income and guarantees are contingent upon the claims paying ability of the issuing company. Liquidated earnings are subject to income tax and if taken prior to 59 1/2 may be subject to a 10% Federal Income Tax penalty. Variable Annuities also have a death benefit feature. Deferred variable annuities require the investor to wait a specified amount of time prior to receiving payments of income.

Variable Annuities are sold by prospectus. Before purchasing a variable annuity contract, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and its underlying investment choices. For this and other information, obtain the prospectuses for the variable annuity contract and its underlying investments from your registered representative. Please read the prospectuses carefully before investing or sending money.