Please Note:  Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of his/her account will be profitable, or equal any corresponding historical index/benchmark referenced above.  The historical performance results illustrated for both the comparative indices and all mutual funds reflect reinvested dividends, but do not reflect the deduction of an investment management fee, which would have the effect of decreasing indicated historical performance results. The historical performance results are provided exclusively for comparison purposes, to provide general comparative information to assist an individual client or prospective client in determining whether a certain type of asset allocation meets, or continues to meet, his/her investment objective(s). Index returns do not represent the performance of Foster Group or any of its advisory clients.

Please Also Note: (1) a description of each of the comparative indices is available upon request; (2) performance results do not reflect the impact of taxes; (3) It should not be assumed that a client’s account holdings will correspond directly to any such comparative benchmark index; and, (4) comparative indices may be more or less volatile than a client’s Foster Group account.

In the event that there has been a change in a client’s investment objectives or financial situation, the client is encouraged to advise Foster Group immediately.  Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including the investments purchased and/or investment strategies devised or undertaken by Foster Group), will be profitable for a client’s or prospective client’s portfolio.

Asset allocation and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses.