Market Risk for New Retirees and Retirement Planning

RDM Capital Associates, Inc. (“RDM”) is a registered investment adviser located in Red Bank, NJ and registered with the states of New York, New Jersey and Florida. RDM and its representatives are in compliance with the current registration and notice filing requirements imposed upon registered investment advisers by those states in which RDM maintains clients. RDM may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration. RDM’s web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of RDM’s web site on the Internet should not be construed by any consumer and/or prospective client as RDM’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from RDM. Any subsequent, direct communication by RDM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of RDM, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov. A copy of RDM’s current written disclosure statement discussing RDM’s business operations, services, and fees is available from RDM upon written request. RDM does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to RDM’s web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users there of should be guided accordingly.