The Retirement Solution

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TRS 100 Large Cap

TRS 100 Mid Cap

TRS 50 Small Cap

Market Capitalization Over $2 Billion

Return for Period: (6/15/05 to 5/9/08)
44.76%	TRS 100 Large Cap
12.59%	S&P 500 (No Dividends)

The historic results of In The Black Investing™ in our TRS 100 Large Cap, TRS 100 Mid Cap and TRS 50 Small Cap model portfolios have exceeded market index averages during the past 2 years.* Additionally, our approach offers the possibility of upending the standard risk/return paradigm that dominates most investment decisions. By investing only in companies with positive operational cash flow, risk may be reduced even as returns are enhanced.

Markets
Updated: Sep 5, 2008 1:33 PM

S&P 500	1,238.63	1.80	(0.15%)

RUSSELL 2000	716.33	-2.29	(0.32%)

S&P 600	375.88	-0.99	(0.26%)

*Compared to the S&P 500, the Russell 2000 and the S&P 600 market indices. These indices reflect the performance of an unmanaged list of stocks. Past performance cannot predict future results and there can be no assurance of profit or protection from risk of loss. Further, the model's performance results do not take into consideration the expenses associated with managing and trading stocks (e.g., investment management fees, custody and commissions). These costs, if incurred, would reduce the investment performance of the market indices and model portfolios.

The Retirement Solution™

Many investors scratch their heads at the end of the year and wonder how they or their managers failed to keep pace with the markets. One reason is by playing by the same old set of rules that others created.

The Retirement Solution offers investors a proprietary, tested, and unbiased methodology for building wealth using four essential principles:

For an in depth presentation of the Retirement Solution approach to In The Black Investing, please click here.

1. Stocks are identified based on Operational Cash Flow Per Share (OPS) rather than conventional Earnings Per Share (EPS) ratios.

ACHIEVING CONSISTENT AND SUSTAINED RETURNS

Instead of evaluating stocks based on earnings per share ratios (which are notoriously prone to manipulation, i.e. Enron), The Retirement Solution evaluates the health of companies by their operational cash flow. Companies that operate in the black, tend to be stable and profitable.

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2. Portfolio diversification is achieved by investing in 250 stocks, spread across our TRS50 Small Cap, TRS100 Mid Cap and TRS100 Large Cap portfolio selections, rather than the significantly smaller portfolios typically employed by managers.

LOWERING RISKS

Diversification is an axiom that has guided mutual fund mangers and investment advisors for decades. Unfortunately, diversification is frequently undermined by including too small a number of stocks or only diversifying within a small number of sectors. Companies across a broad swath of industries are successful over the long term. By identifying them and investing in them, a truly diverse portfolio can better withstand market volatility.

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3. Fees for investment research, educational resources, and transactions are capped and predictable.

CAPPING COSTS WITH FIXED FEES AND UNLIMITED TRADES

How many years have you thought you did well but, after you adjusted your results to account for brokerage fees and per trade fees, realized that your profits were considerably less than you expected?

The Retirement Solution offers a single monthly price for its proprietary market intelligence and recommends utilizing a brokerage account that charges a single monthly price for unlimited trades. The result is a totally predictable annual cost structure that allows you to maximize your returns and eliminates end of year portfolio sticker shock.

Consider the value of actually knowing exactly what the annual costs for all your actual trading will be for the coming year. Predictable capped costs allow you to plan and budget your expenses which is a hallmark of disciplined investing.

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4. Investment decisions are based on sector and market research and objective historical performance criteria rather than emotional considerations.

ESTABLISHING INDIVIDUAL PORTFOLIO CONTROL

Significantly, our investors can control their account individually by executing trades consistent with our portfolios without ever increasing the fees they pay. For those who prefer not to make investment trades, clients can even elect to hire an independent Registered Investment Advisor (RIA) to manage their accounts to implement the program.

We are not brokers nor are we investment bankers – so we do not benefit from commissions and as a result you are not faced with a conflict of interest.

Decisions regarding the choice of stocks which are included in our Small, Mid, and Large Cap model portfolios result from quantitative analysis. In addition to analyzing individual companies for inclusion in the model portfolios , our analysis includes reviews of entire sectors to ensure that risk is spread over diverse holdings. By employing proprietary software, we identify investment opportunities based on the financial realities affecting a company’s bottom line and its future health.

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