The document provides tips on saving and investing, emphasizing the importance of understanding the difference between the two and determining individual risk tolerance. It also discusses the selection of financial professionals, highlighting the services provided by investment advisors versus brokers, and the importance of asking questions. Additional resources and social media links for financial tips and news are included.

1. Making money sensetips and ideas to help your family prosperSaving and Investing1"A penny saved is a dollar earned." B. Franklin

2. DIFFERENCES BETWEEN SAVING & INVESTING2

3. ROAD MAP TO SAVING & INVESTING3

4. DETERMINE RISK TOLERANCE4Three points to consider when determining your risk tolerance:When do you need the money?What are your goals?What can you live with?

5. DIVERSIFICATIONDefinition: Reduction of risk by spreading investments across several products.5

6. RISK AND RETURN6MOREMOREPOTENTIAL RETURNRISKLESSLESS

7. CHOOSING A FINANCIAL PROFESSIONALInvestment Advisors and Financial PlannersOffer a variety of services at a variety of prices. It pays to comparison shop. Some offer a complete financial plan, assessing every aspect of your financial life and developing a detailed strategy for meeting your goals.7

8. CHOOSING A FINANCIAL PROFESSIONAL – CONT.BrokersGenerally do not give you a detailed financial plan. They make recommendations about specific investments like stocks, bonds, or mutual funds.In addition, they are usually paid commissions when you buy or sell securities through them.8

9. MOST IMPORTANTLYAsk questions!You can never ask a dumb question about your investments and the people who help you choose themA helpful website to review before talking to an investment professional is http://www.sec.gov/investor/pubs/askquestions.htm9

10. For more information:920.882.4800www.myprospera.com10For more great financial tips and news follow us on Twitter and facebook!http://twitter.com/MyProsperahttp://facebook.com/