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DD6666666l  lB$$fR :6-"--66- 66-66 ͕7 0B AF J^6666 60h5J<rll ll SOMMERS FINANCIAL MANAGEMENT 144 S. 14th Street PO Box 1552 - Saint Helens, Oregon 97051 (503) 397-1545 - www.sommersfinancial.com  )+2345<CDwww#hohH?@5CJOJQJ^JaJ#hohL;5CJOJQJ^JaJ&hoho5CJH*OJQJ^JaJ#hoho5CJOJQJ^JaJhgBchL;>*OJQJhgBchL;>*CJ0OJQJaJ0hL;>*CJ0OJQJaJ0hL;CJ0aJ0jhL;UmHnHu ^(Y(H(V(V $T^Ta$gdL; `]`^gdL; `T]`^TgdL;&1h:p E6 =!"#$%nBs.$OxPNG  IHDRRRssRGBPLTE3f3333f333ff3fffff3f3f̙3f3333f3333333333f3333333f3f33ff3f3f3f3333f3333333f3̙333333f333ff3ffffff3f33f3ff3f3f3ffff3fffffffffff3fffffff3fff̙ffff3fffff3f̙3333f33̙3ff3ffff̙f3f̙3f̙̙3f̙3f3333f333ff3fffff̙̙3̙f̙̙̙3f̙3f3f3333f333ff3fffff3f3f̙3f (((555CCCPPP]]]kkkxxx pHYs  ~IDATXG=@ ;s4Wp#8>7%}ι>h,-孭UՔjh{>I4kwiL3EHGȻ%i{:4-FyL^awdm eɽm6$r|hUM%2'0o ?)~~wLÑ"ȉhAU6r<2e>\Z!(QW?|iA\ ];tEYC:8 xZoD4*zQ/M߭Jt(uƴO.]4'B:`Yr"VDǍUm!|%fsHQrЂ'BL~M~(q/q^0p"$3/dHb=,1.X\E #H{fwfuйVhp]243z̙8pWwݶ}AE&+!o2/ AGH: eo(Igp Q]АHP PH4-@*oqDD8v2P)EK#̓]u{ZҊ)zG68T Hۛz !qtl:7hJ+R gKtRZk\Ǒ9p/&ʍԔP7v)*ʭ\v5GIBCBU)/u4Hٮ…EӢ|Yڋ' 4Naz8kHegRzo#>"9K4Rz6~! 9\1֋Y##\Z mü]76C e=1FPFTn~r[xrwعbDc~*`t "Z$'$cU2Nt%s?w?]Hh;w?_C \;jUžWTŻ9D#a.zbbbF72 (2pXCҠ6@^&‘A0wP582‖m4qմʀ*)K5qVZCFmC%٥Zl5DʕIaKsݖ+xk /lr/RTv9f?!ɃUv9hwg#o\ʿ̯DZ0V\c[NUI;n|]c}o?qv7V;|ixt[[N'ŧm;?z3JڋvYʛMFj]%̮-Ϻ#? 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B ?ÜkƸOg,AOjtZZ'FǾ+|.๹ʤb,c؇1odNO>dpuQ'ʳ/yA{-oE(0Q/|ĴhbY 9+)旁+ < N1$V^w$Ez#js/>+6J|y>kDїI3K.q^zҸ1OQk^0O.fS}OG<|K͞؇`1Ja5Őaf͆ghWwyEQY:S=SIY>J߅%ҸIv $9/:bHv;w{o#C>-aQwĈOW/:5H2"-ja ̥=1s)/k0(Ƌ(* Z*?|9b.cHD4=K>Y1,8B@=hPY{؊6Q}$I@C[rL/:bߢv3if45 @Mzq׳fHD4fH!,u{8S[5:8>H4\L%U™@ C`V| Adl1 aXp #`'%,GX±N>>)))---++kʔ)3g,..^lٚ5k6o\UUUSSSWWwƋ/ܫ5KW{&j8C&L-)ƥ$Z{@}'t~Mq^}࠭ g4%\wz'g|~fs>Y;\1.fa5q;sV'hs/8TT[U4^.oHv❍?o}ʲE:}Ё~؇ٺm[1ST>tRڀ ?V憯x`fF;'4ظgW$Cʒ\>h?9̇;SEmפ krW-?Rn9_ڴ^'>ѣ&Uh7L|nś'nej("f`P`c ZANM14gV_L=ȩ5hʘAw\(C`r%]N?bRNw9Myr9Tj:}|ZMfgj9FEV  ͿrL6 k&*1Qq9Ŧ4FYy L*cPN[$_n3Y)t.f%p@NPd\MX%w=0-N KitĐ%yG9Qo *b:rQQU FĆorZDD["Ĉ盜FqK6Ş x`@/&Yđ0)isqj6:0C]0mJJ^2|鱶Ġkza]yl^NR2rEPNatzDJirkuV?CB{K e%0Bl~>+1iEumimI45{\Gwit11C[ff1i[M9N֦c7oqo 1[?1oqUL/̶x{lw~|GMҵm /M Zo=[II4ߘdߞ`ߕ( ?mTOnRuoQ7D`w&;_F9 C΄c?r S AA@A@  PPDate:6Determine Your Risk Profile and Investment Objectives: This profile will help build the base of information needed for Sommers Financial Management to progress to the next step in the asset management process  the development of an appropriate asset allocation policy that correctly reflects your investment objectives.INVESTMENT OBJECTIVESAWhich of the following best describes your investment objectives?BTen years from now, what do you expect your portfolio value to be?nIn the light of current interest rates, what return do you reasonably expect to achieve from your investments?;E $What is your primary financial goal? TIME HORIZON?What is the time frame for you to achieve your financial goals?What is your age?RISK TOLERANCEGYou just received a substantial sum of money. How would you invest it?Which of the following statements best describes your reaction if the value of your portfolio suddenly declined 20%, in line with what is happening in the market? portfolio.If you didn t need your capital for more than 10 years, for how long would you be prepared to see your investment performing poorly before you cashed it in?TWhich of the following investments would you most like to include in your portfolio?-1 -How familiar are you with investment markets?INVESTOR S SCORE:46-55The first step in the asset management process is to determine your investor profile. This will help to define important factors such as your investment objectives, time horizon and your attitudes toward investing.CPreserving principal and earning a minimal amount of current income*Generating a high amount of current income;Growing my assets and maybe generating some current income Growing my assets substantially.A reasonable return without losing any capital3  7 % per year  8  12 % per year Greater than 12% per yearWealth preservationCurrent IncomeEducation fundingRetirement planningLong-term wealth accumulation.The same as or a little more than it is today?$Moderately greater than it is today?'Substantially greater than it is today? 0-5 years 5-10 years 10-15 years15 years or longerOver 6656-65Under 46EHow optimistic are you about the long-term prospects for the economy?RI would invest in something that offered moderate current income and was very saferisk.WI would invest in something that offered high current income with a moderate amount of WI would invest in something that offered high total return (current income plus captial2appreciation) with moderately high amount of risk.XI would invest in something that offered substantial capital appreciation even though ithad a high amount of risk.QI would be very concerned because I cannot accept fluctuations in the value of myJIf the amount of income I received was unaffected, it would not bother me.WWhile concerned, I invest for long-term growth and would wait to see if the investmentsimprove.TI invest for long-term growth and am going to ride out the bumps and possibly investmore while prices are down.HYou would cash in if there was any loss in value  you won t hold losersUp to 6 months Up to 1 year Up to 2 yearsCertificates of depositU.S. Government securities&Stocks of older, established companies"Stocks of newer, growing companies%Very little understanding or interestNot very familiarFHave enough experience to understand the importance of diversificationinfluence performance.UI am experienced with all investment sectors and understand the various factors whichUI understand that markets fluctuate and that different market sectors offer different+income, growth and taxation characteristics PessimisticUnsureSomewhat optimisticVery optimisticYour Portfolio Style Should BeTo complete this profile, answer each question by placing an x in the box to the left of the answer that best matches your personal situation.NAME(s):R !^$R&' (s ) + ,- . 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