The investment Consulting Process

As your investment partner, we are committed to helpingYou accomplish your unique financial goals and objectives.After developing a thorough understanding of your risk Tolerance and short- and long- term goals, we will work together to create a customized investment portfolio designedFor you. In order to accomplish this, we will take you through The investment consulting process, which is designed to helpUs determine how to best address your financial goals and Dreams.

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Securities and Advisory Services offered through LPL Financial. A registered Investment Advisor. Member FINRA & SIPC

Fox River Financial Consultants, LLC

Retirement and Financial Planners for the Fox Valley and Greater Rockford area

Fox River Financial Consultants, LLC was founded with the goal of assisting our clients in every aspect of their financial lives. We’ve provided the most personal service available, thus earninga reputation for excellence in our industry. For each of our clients we strive to help createfinancial stability and security to provide financial independence.

Our Firm

Our staff consists of financial advisors which all have a minimum of 10 years experiencethat use a “hands on” approach to financial guidance. Not only will you find our team membersknowledgeable, but you will also discover that our staff truly cares about making your dreams a reality. As your Financial Professionals, we will do everything in our power to keep you focused on where you want to go, advise you on how to get there, and continually remind you of the importance of maintaining a disciplined approach to realizing your dreams.

Our Commitment

Securities and Advisory Services offered through LPL Financial. A registered Investment Advisor. Member FINRA & SIPC

Our Principle

Fox River Financial Consultants, LLC is based on the principle that education and understanding of your current financial situation is vital to successfully make prudent decisions concerning your future financial condition.

Strategic Asset Management

An Investment Strategy

Advice Tailored to Your Time HorizonToday’s economic landscape abounds with both opportunities and challenges. Knowing which path to follow in order to pursue your goals and financial freedom can be a daunting adventure to embark upon alone.

Whether you are planning your retirement, investing for a child’s college education or financing a new business, you will need a strategy designed to get you from where you are today to where you would like to be tomorrow. The philosophy of strategic asset allocation may be just the vehicle to get you there.

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Over 6,200Mutual Funds

Individual Stocks

IndividualBonds

Unit Investment

Trusts

AlternativeInvestments/

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Flexible Fees Conservative Options

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Strategic Asset Management Investment Features

By creating a comprehensive, customized portfolio consisting of stocks, bonds and mutual funds, Strategic Asset Management allows you to meet your financial objectives. Together, we will devise and implement an active portfolio management strategy based upon the tenets of asset allocation and diversification. Periodic reviews of the portfolio’s composition and performance can help to ensure that your assets are positioned to take advantage of market opportunities, while withstanding market volatility.

Securities and Advisory Services offered through LPL Financial. A registered Investment Advisor. Member FINRA & SIPC

Investing in mutual funds involves risk, including possible loss of principal, Investments in specialized industry sectors have additional risks, which are outlined in the Prospectus. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interestrates rise and are subject to availability And change in price. Stock investing involves risk including loss of principal.

Strategic Asset Management

An Investment Strategy, Continued

Your Wealth Management StrategyEach Strategic Asset Management portfolio is individually crafted and involves establishing weightings for various asset classes, choosing specific investments within those classes and making adjustments as circumstances change. A sample portfolio for an investor whose objective is Income with Moderate Growth is depicted below.

Once the broad asset classes have been determined. We will work with you to choose the most prudent investment vehicles to fund your customized portfolio. Asset classes can be further sub-divided into the varying components of each class. For instance, in the equity portion of your portfolio, you can choose from such asset classes as:

•Large Cap Growth and/or Large Cap Value•Small Cap Growth and/or Small Cap Value•International Equities

Asset Class Breakdown

Cash 7%

Large Cap Value 11%

Large Cap Growth 18%

Intermediate/Long-TermHigh Quality Bond 21%

Intermediate/Long-TermHigh Yield Bond 10%

Small Cap Value 3%

REIT 3%Large Cap Foreign 3%

Securities and Advisory Services offered through LPL Financial. A registered Investment Advisor. Member FINRA & SIPC

Strategic Asset Management

Benefits of Ongoing ManagementTake comfort in the fact that we monitor current trends and market developments and provide ongoing advice and portfolio management. You receive the benefits of asset allocation and active, advice-based portfolio management- all for one inclusive fee, on one statement and in one account– giving you the investment diversification you need and helping you achieve your long-term goals and objectives.

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Past performance is no guarantee of future results. Indices may not be invested into directly. No strategy assures success or protects against loss. This hypothetical example is intended to demonstrate the effects of rebalancing and is not intended to project performance.

Securities and Advisory Services offered through LPL Financial. A registered Investment Advisor. Member FINRA & SIPC

Your Investment Objective

Income withCapital

Preservation

Income with

Moderate Growth

Growth with

Income

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AggressiveGrowth

RISk

Return

Securities and Advisory Services offered through LPL Financial. A registered Investment Advisor. Member FINRA & SIPC

ABOUT LPL FINANCIAL

The strengthof partnershipSupporting Financial Advisors who serve you

Securities and Advisory Services offered through LPL Financial. A registered Investment Advisor. Member FINRA & SIPC

ABOUT LPL FINANCIAL

A leading source of

UnbiasedFinancial Advice

LPL Financial is the #1 independent broker/dealer in the country.

LPL Financial is a leading source of objective advice for accumulatingAnd managing personal wealth. LPL Financial was formed in 1989Through the merger of two small but successful brokerage firms, Linsco (established in 1968) and Private Ledger (founded in 1973),And is the number one independent broker/dealer in the country.LPL Financial seeks to fulfill your needs with suitable options from A wide range of the nation’s top provider

• Mutual Funds•Comprehensive asset management accounts•Variable and fixed annuities•Individual stocks and bonds•Estate, college, business, tax , and retirement planning•Domestic and foreign securities•Insurance•Trust Services

The need for

Objective advicehas never been greater

Amid an ever-changing investment landscapeInvestors need an expert and experiencedPartner who can guide them through the Intricacies of investing and financial planning.

As a long-term investor, you are faced with a wide array of financialConsiderations. You may need to provide financial assistance for a Child’s college education or help support an aging parent. In addition, You must prepare for your own retirement and consider what’s toBe done with your estate.

You’re also confronted with a growing number of investment and Insurance products and services, and more ways to access them thanEver before. Should you invest in mutual funds, annuities, individual Securities, or a comprehensive asset management program?How much insurance do you need? Add up all of these importantConsiderations, and your need for competent, objective financialGuidance has never been greater.

About LPL Financial

In recent years, independent brokerage firms, those offering the Products of many non-affiliated companies have grown rapidly.Many of the most successful investment professionals have comeTo realize the value of independence both for themselves and theirClients and want to provide unbiased and independent advice.

Since its inception, LPL Financial has stood at the forefront of thisGrowing market as the most truly independent firm in the industry.Independence at LPL Financial offers freedom of product choice, qualityService, regulatory expertise, and superior technological capabilities.

The one and only focus of LPL Financial is providing advisors who Work with LPL Financial with the tools, training, and support they Need to offer professional advice to their clients.

Your advisor is a seasoned, autonomous professional

Advisors who work with LPL Financial must have the experienceAnd dedication necessary to build a successful and self-directedPractice. This autonomy allows them to concentrate their efforts onThe aspects of financial services where they are strongest and can Be of the greatest help to you , the client.

Your needs come first

LPL Financial offers no investment products of its own, so advisorsWho work with LPL Financial can devote their time and energies not to productQuotes and sales goals, but to understanding your Individual financial objectives. To help them meet your needs with

About LPL Financial

About LPL Financial

Independence at LPL Financial offers freedomOf product choice, quality service, regulatory Expertise, and superior technological capabilities.

Suitable options, LPL Financial provides access to thousands of Individual securities and forms alliances with the nation’s leadingProviders of investment and insurance products.

Taking care of your assets

LPL Financial also supports independent financial advisors byProviding comprehensive custody services for their clients. ThatMeans we take responsibility for holding your assets in our care and Processing your investment transactions. Your assets are strictlySegregated from the proprietary assets of LPL Financial and your Financial advisor.

Trading on technology and experience

LPL Financial technology enables speedy, straight-through processingOf equity and bond trades directly from your advisor’s BranchNet Interface, and the LPL Financial trading desk is staffed with experienced Traders who can help advisors obtain more advantageous pricing.

Simplified recordkeeping makes it easier for you

Your advisor counts on LPL Financial to keep track of all your Transactions throughout the year. Consolidated statements make itEasy to track your progress over time and simplify tax reporting too.End-of-year summary statements collect all your important information,Including purchases, sales, cost basis, income, and dividendDistributions, in a single report.

* As with any system, congested system access and high volume may delay trade executions

Unbiased investment research

Because LPL Financial doesn’t offer proprietary products andDoesn’t engage in investment banking activities, we are able to Provide unbiased investment recommendations that integrate a Broad scope of investment products, including stocks, bonds, annuities, and mutual funds.

Advisors who work with LPL Financial have direct access to our Team of analysts and to superior tools and technology designed toHelp increase the value and impact of our independent research.These resources help advisors who work with LPL Financial focusOn client relationships and investment solutions.

Investment strategies for all of your needs

Few independent brokerage firms can match the depth and breadthOf technology that LPL Financial has created for financial advisors,Technology that can address a variety of financial needs and situations.Your advisor can buy and sell individual securities, mutual funds, and Annuities quickly and efficiently online.

If you prefer a more comprehensive approach, advisors who work With LPL Financial can formulate a personalized investmentManagement strategy. Our fee-based asset management programsRange from one that may combine mutual funds, individual securities, and A no-load annuity in a single portfolio to one that uses leading Institutional money managers. Advisors who work with LPL FinancialAlso have access to proprietary software for integrated estate, retirement, and college planning.

About LPL Financial

About LPL Financial

Providing advisors who work with LPL FinancialWith the tools, training, and support they need Fo offer professional advice and quality productsAnd services to their clients is our sole focus.

Account protection

The LPL financial SIPC membership provides account protectionUp to a maximum of $500,000 per customer, of which $100,000 May be claims for cash. For an explanatory brochure, visit www.sipc.org. Additionally, through London Insurers, LPL FinancialAccounts have additional securities protection to cover the net Equity of customer accounts up to an overall aggregate firm limit of $575,000,000 subject to conditions and limitations. The accountProtection applies when an SIPC member firm fails financially and isUnable to meet obligations to securities clients, but it does notProtect against losses from the rise and fall in the market value ofInvestments. This extensive coverage reflects a strong Commitment to servicing your investment needs.

FDIC-insured cash accounts

Through the LPL Financial multi-bank Insured Cash Account Program,Deposits are eligible for up to $1.5 million of deposit insurance for Individual accounts, and up to $3 million of deposit insurance for jointAccounts through the FDIC. At each bank, your Insured Cash AccountDeposits are insured by the FDIC to a maximum amount of $250,000(including principal and accrued interest) when aggregated with All other deposits held by you in the same recognized legal capacity(e.g., individual , joint, IRA; etc.) at the same bank. For example, if youHave an individual brokerage account, you would be eligible for up to $250,000 of FDIC deposit insurance per bank. If you and your spouseHave a joint account, your account would be eligible for up to$500,000 of FDIC deposit insurance per bank. If you have any questions about FDIC insurance coverage, visit www.fdic.gov keepIn mind that other investment holdings are subject to loss.

LPL Financial is the #1Independent broker/dealerIn the country.

Your one-on-one relationship is supportedBy thousands

More than 2,400 employees in the San Diego, Boston, and CharlotteHeadquarters assist advisors who work with LPL Financial withEverything from product knowledge to client service. LPL Financial Has developed high-quality continuing education programs forFinancial advisors to ensure they fully understand the latest availableProducts and the most suitable uses. Our training discipline also Stresses the necessity and the benefit of adhering to both the spiritAnd letter of the securities laws when selecting investment options For you.

As the country’s number one independent broker/dealer* LPL FinancialContinues to set the standard for the industry. The commitment of LPL Financial to serving financial advisors and their clients has guidedOur growth in the past, and this dedication to service will continue to Be our hallmark in the future.

*As reported by Financial Planning magazine, June 1996- 2009 based on total revenue

About LPL Financial

About LPL Financial

LPL Financial has risen to prominence driven by a commitment to Independence, excellence, and four key tenets we believe are Essential to achieving your financial goals;

• Solid, unbiased advice• Meaningful, timely information and research• Easy access to value-added investments and services• Unparalleled client service

Advisors who work with LPL Financial can deliver all of these to you,Backed by the support of our superior technology, comprehensiveTraining programs, and dedicated personnel.

As LPL Financial moves into its fifth decade, we remain committedTo leading the independent brokerage business. Most importantly, weContinue to set the highest standards in every aspect of supportingFinancial advisors, so that they may help you realize a new standardFor your financial future.

About LPL Financial

LPL Financial Key Facts

• #1 independent broker/dealer in the country*

• 3.1 billion in revenue**

• Supporting over 16,000 financial advisors

• Over 7,000 branch offices

• Service to over 776 financial institutions

• over 2,400 staff with headquartersin San Diego, Boston,and Charlotte

• $268.9 billion in brokerage andadvisory assets***

• Fifth largest broker/dealer in U.S. bynumber of advisors****

* As reported by Financial Planning magazine, June 1996-2009 based on total revenue.

**As of December 31, 2008

*** As of September 30, 2009

**** Based on publicly disclosed information and announced mergers as of September 30, 2009.

The LPL Financial family of affiliated companies includes LPL, UVEST Financial Services Group, Inc. each of which is a member of FINRA/SIPC.

To the extent you are receiving investment advice from a separately independent investment advisor, please note that LPL Financial is not an affiliate of and makes no representation with respect to such entity.

Not FDIC/NCUA Insured – Not Bank/Credit Union Guaranteed- May Lose Value- Not Guaranteed by any Government Agency – Not a Bank/Credit Union Deposit

www.lpl.com