Martin Kawadler CLU, CFP

<body> </head> <body text="#000000" link="#000000" vlink="#000000" alink="#000000" bgcolor="#FFFFFF" leftmargin="0" topmargin="0"> <table border="0" cellpadding="2" width="100%" cellspacing="0"> <tr> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=3002" target="_top"> <img src="/files/newsletters/tsr11094.gif" border="0" width="120" height="50" alt="Federal Estate Tax Is Much Lower — For Now " vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Federal Estate Tax Is Much Lower — For Now </strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=2888" target="_top"> <img src="/files/newsletters/tsr11072.gif" border="0" width="120" height="50" alt="Tips for Surviving the Estate Tax" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Tips for Surviving the Estate Tax</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=3001" target="_top"> <img src="/files/newsletters/tsr11093.gif" border="0" width="120" height="50" alt="Using Living Benefits for Retirement Income " vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Using Living Benefits for Retirement Income </strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=3290" target="_top"> <img src="/files/newsletters/tsr12014.gif" border="0" width="120" height="50" alt="For Better, For Worse: Communicating About Retirement " vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>For Better, For Worse: Communicating About Retirement </strong> </font> <br><br> </a> </td> </tr> </table> </td> </tr> </table> <table width="100%" border="0" height="196" cellpadding="0" cellspacing="0" align="center"> <tr> <td align="center" width="50%" valign="top"> <table border="0" align="center" width="301" height="196" background="/graphics/A/T31Calcbox.gif"> <tr> <td align="left" valign="top"> <span style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;"> <img src="/graphics/spacer.gif" height="41" width="1"> <br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=136" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Cost of Retirement</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=138" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Estate Taxes</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=695" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Retirement Plan Early Distribution</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm" target="_top"><font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;"> More Financial Calculators...</font></a> </span> </td> </tr> </table> </td> <td align="center" valign="middle"> <table border="0" cellpadding="0" cellspacing="0"><tr> <td width="16" height="16"><img src="/graphics/q1.gif" width="16" height="16"></td> <td height="16"background="/graphics/q2.gif"> <img src="/graphics/q2.gif" width="1" height="16"></td> <td width="24" height="16"><img src="/graphics/q3.gif" width="24" height="16"></td> </tr><tr> <td width="16" background="/graphics/q4.gif"> <img src="/graphics/q4.gif" width="16" height="1"></td> <td align="center" valign="middle"><table bgcolor="#DCDCDC" align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <font size="2"><strong>Market Watch</strong></font> - February 10, 2012 @ 02:54 AM<br><br> </font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$INDU" target="mondo"><font color="#000000"><strong>Dow Jones Industrials</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>12,890.46</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 6.51</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$COMPQ" target="mondo"><font color="#000000"><strong>Nasdaq Composite</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,927.23</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 11.37</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$SPX" target="mondo"><font color="#000000"><strong>S&P 500</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,351.95</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 1.99</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$MID" target="mondo"><font color="#000000"><strong>S&P Mid-Cap 400</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 975.21</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 2.00</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$TNX" target="mondo"><font color="#000000"><strong>10 Year Treasury Note</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2.05</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.07</strong></font></td></tr> <tr><form action="http://www.emerald.idmanagedsolutions.com/stocks/quote?symbol=" method="get" target="lower"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-1"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td><td width="24" background="/graphics/q5.gif"> <img src="/graphics/q5.gif" width="24" height="1"></td> </tr><tr> <td width="16" height="24"><img src="/graphics/q6.gif" width="16" height="24"></td> <td height="24" background="/graphics/q7.gif"> <img src="/graphics/q7.gif" width="1" height="24"></td> <td width="24" height="24"><img src="/graphics/q8.gif" width="24" height="24"></td> </tr></table> </td> </tr> </table> <table width="100%" align="center" border="0" cellpadding="4" cellspacing="0"><tr><td align="center"> <div align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><br>[ <a style="text-decoration:none" href="research.cfm" target="_top">Articles</a> | <a style="text-decoration:none" href="calculators.cfm" target="_top">Calculators</a> | <a style="text-decoration:none" href="newsletters.cfm" target="_top">Newsletters</a> | <a style="text-decoration:none" href="quotes.cfm" target="mondo">Quotes</a> | <a href="https://www.emeraldsecure.com/contact_form.cfm?SSLID=828&SN=0" onclick="javascript:infobox(this.href,'680','550'); return false;" target="_blank" style="text-decoration:none">Contact Us</a> ] </font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><strong>Like this site? <a style="text-decoration:none" href="https://www.emeraldsecure.com/tellafriend.cfm?SSLID=828&SN=0" onclick="javascript:infobox(this.href,'400','335'); return false;" target="_blank">Tell a Friend.</a> </strong></font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <p align="center"><font face="Arial, Helvetica, sans-serif" size="-1"><a href="privacy.cfm" onclick="javascript:infobox(this.href,'600','400'); return false;" target="_blank">Privacy Policy</a></font></p> </font></td></tr></table></div></body></html>