WealthProtect Status Update: November 2014

We email the status of our WealthProtect System* monthly and give probability (Low,

Mid, High) of a change in status within the next two months. We also include a commentary on actions taken this month as well as changes in overall asset allocation.

Commentary

WealthProtect had no changes this month. October reminded us how rapidly markets can move as US stocks dropped through the 15th, and then rebounded thorough the remainder of the month. We should be careful to not let these types of swings throw us off our game plan. We had a few clients wanting to become more conservative as the markets were dipping, and then wanting to become more aggressive when they rebounded. That is decidedly how not to manage wealth. We are very concerned that the market is overextended here, but we don't let short-term declines dictate our allocation. As a reminder, our process has three major components: 1) Select the proper investment objective in order to set the "guardrails" on your equity exposure, 2) Strategically diversify among a variety of asset classes to potentially improve return, but more importantly potentially reduce risk, and 3) Use WealthProtect to attempt to reduce the risk of major losses. This results in a portfolio that will likely not be in sync with the markets, but hopefully provide a better path with fewer sharp losses. Have a great Thanksgiving!

Thanks for your trust.

*The Armstrong Wealth Management Group WealthProtect System is an investment risk control system designed (but not guaranteed) to limit significant losses in major bear markets (excess of 30% loss from market peak to market trough). It is NOT designed to prevent normal market losses (under 20%). No strategy can assure a profit or protect from a loss. Occasional false signals can reduce returns.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Stock investing involves risk including loss of principal.

International and emerging market investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.

Investing is Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.

The fast price swings in commodities will result in significant volatility in an investor's holdings.

All performance referenced is historical and is no guarantee of future results.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

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