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    Mutual Fund Disclaimer:

    Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and does not take into account sales, redemption distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance. may not be repeated.

    Bond Disclaimer:

    Corporate bonds are subject to interest rate risk. Investors should be aware that bond values may decline, if interest rates rise. Municipal bonds, corporate bonds, US Treasury Securities, Government Agency Bonds, and CDs will fluctuate in value and if sold prior to maturity may be worth more or less than their original cost.

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