1. Member FINRA/SIPC LPL FINANCIAL RESEARCH Putting Current Markets Into Perspective: Why to Stay Invested The economic forecasts set forth in the presentation may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

2. 2 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH Don’t Let Opportunity Pass You By Missing the Best Days in the S&P 500: 1988 - 2011 Source: FactSet, LPL Financial Research Index performance is provided as a benchmark and is not illustrative of any particular investment. An investment cannot be made in an index.

3. 3 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH Why Patience is a Virtue Percent of time stocks have provided positive returns (1981 – 2011) Source: FactSet, LPL Financial Research Note: Based on S&P 500 Monthly Total Return. Average Annual Rolling period returns 1981- 2011. Past performance is no guarantee of future results. The S&P 500 Composite Index of 500 stocks is a group of securities widely regarded to be representative of the stock market. Indices cannot be invested into directly. Index performance is not of any particular investment product. This Barclays Aggregate Bond Index represents securities that are SEC-registered, taxable, and dollar denominated. The index covers the U.S. investment-grade fixed rate bond market, with index components for government and corporate securities, mortgage pass-through securities, and asset-backed securities.

4. 4 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH Markets Are Resilient Through Major Happenings

5. 5 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH To Invest or Not to Invest? Every Year has a Reason to Say “No” Even through many market conditions, $10,000 invested in the S&P 500 Index in January 1934 would have been worth $1.3 million by December 2010 Source: Bloomberg as of 12/31/10 Note: This is a hypothetical example and is not representative of any specific situation. Your results will vary. The S&P 500 Composite Index is an unmanaged index and cannot be invested into directly. Investing in stocks involves risk including loss of principal.

6. 6 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH Note: Past performance is no guarantee of future results The Emotional Rollercoaster Headline buzz words detail the emotional rollercoaster that is a market downturn and upswing S&P 500 Cumulative Return (2/6/09 – 4/17/09) Source: Zephyr, LPL Financial Research

7. 7 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH The Worse We Feel, the Better the Gains Consumers feel the worst prior to large gains in the markets Past performance is no guarantee of future results. Note: In interpreting the consumer sentiment survey, the lower the number, the worse consumer sentiment is. The S&P 500 is an unmanaged index, which cannot be invested into directly. Past performance is no guarantee of future results.

8. 8 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH Good News About Bear Markets The median bear market price decline of 23% has been followed by a 34% price gain within the next 12 months Source: FactSet, LPL Financial Research Past performance is no guarantee of future results

9. 9 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH Market Resilience When markets rebound following a bear market, gains are captured quickly. Not being invested when these rebounds begin can lead to not recouping all possible gains. Source: FactSet, LPL Financial Research Note: Past performance is no guarantee of future results

10. 10 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH A Low Risk Strategy is Better Than Low Risk Investments Source: FactSet, LPL Financial Research *Note: The proxy for a low risk strategy it the Income with Capital Preservation blended benchmark, which is 20% Russell 3000 Index, 70% Barclays Capital US Aggregate Bond Index, and 10% Citigroup 3-Month Treasury bill Index. The low risk investment proxy is cash as measured by the Citigroup 3-Month Treasury bill Index. Past performance is no guarantee of future results. A low risk strategy allows for protection when the S&P 500 is down as well as participation when it is up

11. 11 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH  Re-evaluate your risk tolerance  Refine investment objective to align with risk tolerance  Stay focused to the long term  Use times of market fear to position for potential returns  Stay broadly diversified  A low risk strategy is better than a low risk investment Key Takeaways

12. 12 LPL Financial Member FINRA/SIPC LPL FINANCIAL RESEARCH Disclosures The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance reference is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly. Stock investing involves risk including loss of principal. The Standard & Poor’s 500 Index is a capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. Income with Capital Preservation: Emphasis is placed on current income and preventing capital loss. This is considered the lowest risk portfolio available and is generally for investors with the shortest time horizon. Citigroup 3-Month T-bill Index represents monthly return equivalents of yield averages of the last 3 month Treasury Bill issues. Investing in alternative investments may not be suitable for all investors and involve special risks such as risk associated with leveraging the investment, potential adverse market forces, regulatory changes, and potential illiquidity. There is no assurance that the investment objective will be attained. Dow Jones Industrial Average is the most widely used indicator of the overall condition of the stock market, a price-weighted average of 30 actively traded blue chip stocks, primarily industrials. The 30 stocks are chosen by the editors of the Wall Street Journal. The Dow is computed using a price-weighted indexing system, rather than the more common market cap-weighted indexing system. The Russell 3000 Index measures the performance of the 3,000 largest U.S. companies based on total market capitalization, which represents approximately 98% of the investable U.S. equity market. As of the latest reconstitution, the average market capitalization was approximately $4 billion; the median market capitalization was approximately $700 million. The index had a total market capitalization range of approximately $309 billion to $128 million. This Barclays Aggregate Bond Index represents securities that are SEC-registered, taxable, and dollar denominated. The index covers the U.S. investment-grade fixed rate bond market, with index components for government and corporate securities, mortgage pass-through securities, and asset-backed securities. Russell 3000 Growth Index measures the performance of those Russell 3000 companies with higher price-to-book ratios and higher forecasted growth values. Russell 3000 Value Index measures the performance of those Russell 3000 companies with lower price-to-book ratios and lower forecasted growth values Barclays US Aggregate Bond Index - is made up of the Lehman Brothers Government/Corporate Bond Index, Mortgage-Backed Securities Index, and Asset-Backed Securities Index, including securities that are of investment-grade quality or better, have at least one year to maturity, and have an outstanding par value of at least $100 million. This research material has been prepared by LPL Financial. The LPL Financial family of affiliated companies includes LPL Financial and UVEST Financial Services Group, Inc., each of which is a member of FINRA/SIPC. To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial is not an affiliate of and makes no representation with respect to such entity. Tracking #1-008295 | Exp. 09/12

13. 13 LPL Financial Member FINRA/SIPC Thank You For Your Business