| Investment and Asset Planning, LLC |
| 8 Year
Performance Results (1/1/1999 to 12/31/2006) |
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| Account Type |
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>Yearly
Returns<<<<<<<<<<<<<<<<<<<<<< |
<<<<<<< |
3 Year Average |
5 Year Average |
8 Year Average |
$100,000 Invested 1/1/99 to 12/31/06 |
| 1999 |
2000 |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
| IRA Conservative |
15.0% |
5.2% |
7.0% |
-4.8% |
19.6% |
8.0% |
1.6% |
8.7% |
6.0% |
6.3% |
7.3% |
$175,736 |
| Taxable Conservative |
13.7% |
2.4% |
4.0% |
-7.7% |
18.9% |
9.1% |
2.7% |
9.1% |
6.9% |
6.1% |
6.3% |
$162,479 |
| IRA Moderate
Conservative |
29.0% |
-3.1% |
-1.1% |
-8.6% |
24.3% |
9.8% |
2.1% |
10.4% |
7.4% |
7.1% |
7.2% |
$173,917 |
| Taxable Moderate
Conservative |
40.1% |
1.2% |
-1.5% |
-9.0% |
21.3% |
10.0% |
3.5% |
10.7% |
8.0% |
6.8% |
8.7% |
$194,271 |
| IRA Moderate |
32.9% |
-4.4% |
-3.2% |
-10.1% |
27.0% |
11.1% |
4.6% |
12.3% |
9.3% |
8.3% |
7.9% |
$183,182 |
| Taxable Moderate |
39.9% |
-4.6% |
-3.6% |
-10.8% |
26.7% |
11.4% |
5.0% |
12.0% |
9.4% |
8.2% |
8.4% |
$190,634 |
| IRA Moderate Aggressive |
38.5% |
-6.7% |
-4.1% |
-15.3% |
31.9% |
12.8% |
6.3% |
13.3% |
10.8% |
8.7% |
8.2% |
$188,235 |
| Taxable Moderate
Aggressive |
38.5% |
-8.2% |
-6.4% |
-10.9% |
27.4% |
12.3% |
6.2% |
12.8% |
10.4% |
8.8% |
7.7% |
$181,674 |
| IRA Aggressive |
51.4% |
-11.1% |
-6.4% |
-22.5% |
33.9% |
11.5% |
6.4% |
14.9% |
10.9% |
7.2% |
7.5% |
$178,137 |
| Taxable Aggressive |
48.9% |
-13.7% |
-7.8% |
-16.7% |
31.2% |
13.2% |
5.4% |
13.9% |
10.8% |
8.2% |
7.3% |
$175,979 |
| Comparisons |
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| Conserv. Allocation
Mutual Fd. Avg. |
7.1% |
5.4% |
-0.9% |
-3.3% |
2.1% |
5.8% |
3.1% |
8.1% |
5.6% |
3.1% |
3.4% |
$130,234 |
| Balanced Blend Mutual
Fds. Avg. |
10.5% |
1.8% |
-4.5% |
-11.7% |
20.1% |
7.9% |
4.6% |
10.6% |
7.7% |
5.8% |
4.5% |
$142,167 |
| S&P 500 Stock Index |
21.1% |
-9.1% |
-11.9% |
-21.1% |
28.7% |
10.9% |
4.9% |
15.8% |
10.4% |
6.5% |
3.6% |
$132,666 |
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| Beginning Investment
Amount: |
$100,000 |
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| The yearly returns are averages of all clients’ accounts that
are typical accounts for the category.
We have many accounts that do not yet have one year track records or
are not typical, in that they have investments that hold securities chosen by
the clients and not recommended by us, or the account held securities from
previous accounts from another brokerage firm. Less than one year old and non-typical
accounts are not included in the averages.
Results presented are total returns calculated on a time-weighted
basis. |
| The performance data quoted represents past performance, which
is no guarantee of future results. As
the above data shows, results vary over time and a client can lose
money. All of the account types use
both bond and stock funds of many types.
Portolios of included clients are designed and maintained by our use
of mutual funds, exchange traded funds and not individual stocks. We use modern tacticial asset allocation
methods and models. |
| The above results were for accounts after all fees had been
deducted. Please see our client
disclosure document for descriptions of all fees. The above accounts consisted of mostly
mutual funds of many different types.
The results are believed to be accurate and were prepared from third
party custodians and are believed to be accurate but are not guaranteed. These are returns after all fees and are
size weighted since 1/1/2006. |
| Total market value of the composite returns above was
$24,112,903 on 12/31/2006. This was
55.2% of the 43,708,367 that we had under management in all types of accounts
on 12/31/2006. We have about
$14,000,000 in accounts which are new accounts following the above models and
will be included when they reach one year of track record or are in accounts
which are almost in the above models and have similar track records. |
| The comparisons are from Morningstar and Lipper and S&P and
are their averages of funds of their categories. The S&P 500 Index is an index by
Standard and Poors of 500 of the largest company’s stock prices. The Balanced Blend is from Lipper and is an
average of many blended funds that traditionally have medium risk and about
65% stocks and 35% bonds and cash. The
Conservative Allocation average comes from Morningstar and averages all
blended funds that have a conservative risk goal and use mostly bonds and
some stocks and cash. These indexes do
not reflect any commissions or investment advisor fees that are charged by
advisors and salespersons and reduce returns.
Our above results are after all charges and fees. |
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| The chief
investment advisor of the portfolios has been Jordan Gary CFP, President of
the firm, for all of the eight years. |
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