Although no particular investment strategy can guarantee success, an investor who adopts a well diversified investment portfolio seeks to maximize
return potential while managing the risk of losses during market declines. The Managed Risk Investment Portfolios are available as investment
choices for the Thomas J. Dobransky & Associates Section 401(k) Retirement Savings Plan.
It is important to note that no investment strategy assures success or protects against loss. There is no guarantee that a diversified portfolio
will enhance overall returns or outperform a non-diversified portfolio.
Diversification does not protect against market risk. Stock investing involves risk including loss of principal. Bonds are subject to market and
interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.
The Managed Risk Investment Portfolios provide you with an important investment option. The Managed Risk Portfolios are designed to help you invest
in a well diversified portfolio of investments. Three Managed Risk Investment Portfolios are available.