1. Market Memo In previous communications we have been touting the virtues of our primary investment management partner, Strategic Equity Management. They emphasize the importance of avoiding the loss. Below, you will find performance information for 2010 year to date. They are doing the job we hired them to do. Performance numbers are net of management fees. The S&P 500 is down approximately 25%since October 2007. To fully recover it must grow an additional 33.3%. There is a legitimate fear of a double dip recession. Following the crash of 1929 the market dropped again in 1931 by -43.34%. If you are still hanging tough with your buy and hold manager, or suffering the stress of managing your money on your own, maybe you should consider letting us help you now. Call us with questions. 303-379-1202

2. Why Take the Risk? Read these two charts carefully . They show how devastating investment losses can be. If you are near retirement, losses could delay your retirement plans. In retirement, your lifestyle could be seriously compromised. The chance of recovering from a 38% loss within five years is only 65.6%. If you are withdrawing money the odds are even worse. From July 22, 2011 to August 18, 2011 the S&P 500 declined by 15.19%.SEM ‘s Conservative Encore (where most of our clientsnear or in retirement are invested) was down 1.13%. Percentage Chance of Recovery From Loss in…