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The Retirement Advisor Portfolios	Dollar Value on 12/31/09	Change
Model Portfolio 1	$214,500	7.2%
Model Portfolio 2	$224,106	12.1%
Model Portfolio 3	$237,109	18.6%
DJIA 12,501.52 on 1/1/2007	$10,428	(16.6%)
S&P500 1,418.30 on 1/1/2007	$1,115.10	(21.4%)

The Retirement Advisor Portfolios	2009	2008	2007	2007 to 2009 Combined
Model Portfolio 1	19.7%	(18.2%)	9.5%	3.8%
Model Portfolio 2	13.2%	(8.7%)	8.5%	12.2%
Model Portfolio 3	5.3%	3.7%	8.3%	20.5%

Model Portfolios 2008 Results:
(Index Returns: DJIA down 33.8%, S&P500 down 38.5%, NASDAQ down 40.5%)

The Retirement Advisor Aggressive Growth and Income Model Portfolio 1 , designed for someone approaching retirement who is interested in a portfolio allocation designed to provide income and capital appreciation while avoiding excessive risk, lost 18.22% in 2008 while the S&P500 lost 37% counting reinvested dividends. This portfolio was 50% in stock index funds and 50% in fixed income index funds (or ETF equivalents.) It benefited greatly from TIPS for inflation protection which we feel allows a lower allocation to equities and a 4% withdrawal rate.

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