Notes:

• All investing is subject to risk, including the possible loss of the money you invest. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income.
• Diversification does not ensure a profit or protect against a loss.
• Investments in bonds are subject to interest rate, credit, and inflation risk.