Key Financial Concepts

<body bgcolor="#ffffff"> <table border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"><tr><td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/6/TB1_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td></tr> <tr> <td width="14" background="/graphics/6/TB1_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"><b>July 05, 2008 @ 11:56 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>11,288.54</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 73.03</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 2,245.38</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 6.08</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,262.90</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 1.38</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table></td> </tr><tr> <td colspan="2" width="192" height="43"><img src="/graphics/6/TB1_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/6/TB1_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/6/TB1_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/6/TB1_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/6/TB1_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="glossary.cfm" target="mondo"> <img src="/graphics/6/TB1_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"><font size="1" face="Arial, Helvetica, sans-serif">Financial terms from A to Z.</font></td> </tr><tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/6/TB1_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"><tr><td align="center" width="1%" valign="middle"> <img src="/files/12058/lowell2.JPG" alt="Key Financial Concepts" height="153" width="140" border="0"> </td><td><img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" BORDER="0"></td><td align="left" valign="middle" width="99%"><font SIZE="2" FACE="Arial, Helvetica, sans-serif"><b>We help you understand the key financial concepts needed for the planning of your financial future.</b><br><br>2428 Shiland Drive<br>Rock Hill, SC 29732<br>Phone: 803-329-8899 or 800-881-1492<br>FAX: 803-329-6650<br><table border="0" cellpadding="0" cellspacing="0"><tr><td valign="top"><font SIZE="2" FACE="Arial, Helvetica, sans-serif">Email: </font></td><td valign="top"> <font SIZE="2" FACE="Arial, Helvetica, sans-serif"><a href="mailto:Lowell.Gaskin@KeyFinancialConcepts.com">Lowell.Gaskin@KeyFinancialConcepts.com</a><br></font></td></tr></table> </font></td> </td></tr> <tr> <td colspan="3" valign="top" width="384"><font face="Arial, Helvetica, sans-serif" size="1"> <big> <p> </p> <p><font size="3"></font></p> <span style="mso-bidi-font-size: 10.0pt"><font size="3"><font size="4"></font>Today, it just isn't enough to have a financial professional who offers stocks, bonds, mutual funds, CDs, growth strategies, income planning and retirement plans. What you really need is someone you can trust and with whom you feel comfortable enough to develop a long-term relationship. The purpose of Key Financial Concepts, Inc. is to help create and preserve financial well-being for businesses as well as individuals.</font></span> <p> </p> <p><span style="mso-bidi-font-size: 10.0pt"><strong><font size="3">You have come to the right place if:<o:p></o:p></font></strong></span></p> <ul type="disc"> <li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-list: l0 level1 lfo2; tab-stops: list .5in"><span style="mso-bidi-font-size: 10.0pt"><font size="3">You are a successful individual looking for your financial professional</font></span> </li> <li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-margin-top-alt: auto; mso-list: l0 level1 lfo2; tab-stops: list .5in"><span style="mso-bidi-font-size: 10.0pt"><font size="3">You are looking for a financial professional to coordinate your company’s retirement or pension plans </font></span></li> </ul> <p><font size="3">When you talk to us, you know you have been heard. We begin by determining your financial and personal goals. Then, we create a personalized strategy to guide you in the accomplishment of your goals. Asset management is not an easy process. Effective asset management involves two important components: 1) managing your investments and 2) preserving your wealth. Our goal is to create financial solutions and provide extraordinary personal service.<br /> <br /> This site was designed to give you a better understanding of our firm and the way we can help you plan for and work toward achieving your financial goals.<span style="mso-spacerun: yes"> </span>We invite you to contact us by email or call our office with any questions you may have. Also, please let us know if there is any additional information you would like to see included on this site.</font></p> <p><span style="FONT-SIZE: 12pt; FONT-FAMILY: 'times new roman'; mso-fareast-font-family: 'times new roman'; mso-ansi-language: en-us; mso-fareast-language: en-us; mso-bidi-language: ar-sa">Thanks for stopping in. We appreciate your visit.</span></p> </big> </font></td> </tr> </table><br> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/6/TB1_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/6/TB1_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/6/TB1_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=698" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Long-Term Care Self Insurance</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Will you be able to afford nursing home care?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=697" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Capital Gains Taxes</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate short-term and long-term federal capital gains taxes</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=142" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Mortgage Acceleration</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine how soon you can pay off your mortgage.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=129" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">College Funding</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the cost of your child’s education, based on the variables you input.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/6/TB1_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1370" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">More Reasons to Convert</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Thanks to tax law changes, converting traditional IRA assets to a Roth IRA, or rolling over employer-sponsored retirement plans to a Roth, has become more attractive.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1270" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">A Retirement Plan for One</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Although most large companies are moving away from traditional defined-benefit plans, a solo defined-benefit plan may be an attractive pension option of you are a sole proprietor or if you are self-employed.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1407" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Estimate Your Estate</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> It is imperative to have an estate conservation strategy. Taking an inventory of your assets is a good place to start. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1246" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Shelter from the Storm</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Finding yourself on the wrong side of a multimillion-dollar decision would be a bad time to discover you didn’t have enough liability coverage under your homeowners and auto insurance. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> </tr> <tr><td colspan="3"><br> <p align="center"><font face="Arial, Helvetica, sans-serif" size="1">Securities and investment advisory services offered through ING Financial Partners, Inc., member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>. </p> <p align="center"><font face="Arial, Helvetica, sans-serif" size="1"> [ <a href="/files/INGFP_Online_Privacy_Policy.pdf" target="_blank">Online Privacy Policy</a> | <a href="/files/INGFP_Important_Disclosures.pdf" target="_blank">Important Disclosures</a> | <a href="/files/IFP_Privacy_Promise.pdf" target="_blank">Privacy Promise</a> | <a href="https://www.orderroutingdisclosure.com/orderrouting/jsp/main/NYSE.jsp?CorrName=ING%20FINANCIAL%20PARTNERS%20INC" target="_blank">Order Routing Disclosure</a> ]</p> <br /><br /> </td></tr></table></div></body></html>