WealthProtect Status Update: January 2016

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

2016 markets opened with a thud. The Dow Jones Industrial Average and the S&P 500 had their worst first week ever. As of 1/13/16, not only are they both down about 10% from their recent highs, but US small cap stocks, as measured by the Russell 2000, are down 22% from their highs in June 2015, having entered a bear market. Our WealthProtect System triggered out of US equities back last September and currently is out of all major equity classes. High Yield (Junk) bonds have been savaged, while US Treasury bonds have rallied. Whether this is the beginning of a major bear market or simply a nasty correction remains to be seen.

Please call us if you have questions on your allocations or portfolio.

Thank you 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.

The forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

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