Highlights from 2011

• Our business continues to grow as we begin our tenth year. We are very grateful for all of the introductions you have given us. Thank you for your continuing trust and confidence. All of us here at Secure Retirement Solutions, Inc. wish you all very happy, healthy and prosperous 2012.

• More and more people have begun investing in our PortformulasÒ program. Many of our clients who desire and need to invest a portion of their assets for long term growth goals have utilized this formulaic investing approach. For specific information go to www.portformulas.com. As with any investment strategy there is an inherent element of risk, and we can help you determine if this concept is appropriate for your situation. Be sure to call us to set up an appointment.

• During the year we again advised all clients whose Fixed Index Annuity growth was partially tied to the Eurox Stox index to reallocate to the U.S. domestic indices as European Sovereign debt issues were expected to lead to lower growth opportunities.

• During the second half of the year we expanded our email communications to our clients and prospects. We are now sending 5-6 informational emails each month and the feedback has been very positive. Remember to advise us if you change your email address.

New for 2012

• Look for our new seminar schedule to start in April. We anticipate conducting fewer seminars in 2012 in order to allow us to focus on continuing to provide excellent service to our clients.

• Remember, the premiums you are paying for your Long Term Care Insurance may be tax-deductible - talk to your tax preparer to see if you qualify for a tax-deduction in 2012.

• All of you with retirement accounts who turn 70 ½ in 2012 will need to plan for the Required Minimum Distribution (RMD). We advised you on this matter by separate email and can assist you with this when you contact us to set an appointment.

• Recently we have seen several annual annuity statements where the surrender value of the contract is higher than the account value. When this occurs, please contact us to discuss new strategies that may be appropriate for you and may improve your overall portfolio.