Footnotes

1. Coupon – The stated periodic interest payment on a bond. *

2. Volatility – The extent to which an asset’s returns fluctuate from period to period.*

3. Total Return – a measure of performance of an asset class over a designated time period. It is comprised of income return, reinvestment of income return and capital appreciation return components.*

4. Austrian Economics - is a supply-oriented theory of economics, which rejects government intervention in the free market system.

5. Laddered portfolio normally has a certain number of bonds, which mature in successive years. For example, a portfolio might contain bonds that mature in one year, one that matures in two years, and so on.

6. Keynesian Economics – a demand-oriented theory developed by John Maynard Keynes, which calls upon government interventions in the free market system.

*Definitions taken from Ibbotson Associates 2003 Yearbook

Disclosures

This website does not constitute a solicitation to residents of any jurisdiction where the program mentioned may not be available. Information in this website is taken from sources believed to be reliable but its accuracy cannot be guaranteed. Any opinions stated are intended as general observations, not specific or personal advice. This publication is not intended as personal investment advice. Please consult a competent professional and the appropriate disclosure documents before making any investment decisions. There is no foolproof way of selecting an Investment Advisor. Investments mentioned involve risk, and not all investments mentioned herein are appropriate for all investors.

For more information on Central Plains Advisors, please call 888-735-2724 for a copy of our Form ADV II, available at no charge upon request. Officers, employees and affiliates of Central Plains Advisors may have investments in funds discussed herein and others.

As benchmarks for comparison, the indexes used represent an unmanaged, passive buy-and-hold approach. The volatility and investment characteristics of the benchmarks cited may differ materially from those of Central Plains Advisors. The Large Company Stocks total return index is based upon the S&P Composite Index, which is a readily available, carefully constructed, market-value-weighted benchmark of large company stock performance. The Long Term Government Bond total returns are constructed with data from The Wall Street Journal. All data and definitions for the indexes are quoted from Ibbotson Associates’ SBBI 2004 yearbook.

The individual account performance figures reflect the reinvestment of dividends and capital gains, and are net of maximum Central Plains Advisors fees. Past performance may not be indicative of future results and does not guarantee positive returns. The performance results for 1991 through 2009 have been independently compiled by CPAs from information provided by Central Plains Advisors.

Bonds are subject to certain market risks, including loss of principle. Any illustrations should not be construed as an indication of future performance, which could be better or worse than the period illustrated. The period from 1991-2005 was one of generally rising bond prices. The period from 1991-1999 was one of generally rising stock prices. The period from 2000-2002 was one of generally declining stock prices. The period of 2003-2006 was one of generally rising stock prices. The period of 2004-2007 was one of rising stocks and bonds. The year 2008 experienced a stock market crash and average bond market. 2009 experienced a strong stock market and positive bond market. 2010 was a good year for both stocks and bonds.

Past Performance is no Guarantee of Future Results