A quick run down of the differences between saving and investing and what products have more risk and therefore, more rate of return. Also briefly covers how you should choose a financial professional.

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

2. DIFFERENCES BETWEEN SAVING & INVESTING 2

3. ROAD MAP TO SAVING & INVESTING 3

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

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

6. RISK AND RETURN 6 MORE MORE POTENTIAL RETURN RISK LESS LESS

7. CHOOSING A FINANCIAL PROFESSIONAL Investment Advisors and Financial Planners Offer 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. Brokers Generally 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 IMPORTANTLY Ask questions! You can never ask a dumb question about your investments and the people who help you choose them A helpful website to review before talking to an investment professional is http://www.sec.gov/investor/pubs/askquestions.htm 9

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