A. Kelley Shooter Financial Services

Kelley Shooter concentrates on income, capital appreciation and investment strategies to help reduce taxes in A. Kelley Shooter Financial Services' Rancho Santa Fe office. Through appropriate investment planning, he helps clients pursue their goals of sending their children or grandchildren to college, providing for retirement, and enhancing the amount of assets transferable to their heirs.*

SECURITIES: ARE NOT FDIC-INSURED/ARE NOT BANK-GUARANTEED/MAY LOSE VALUE

* A. Kelley Shooter Financial Services does not provide legal or tax advice. Please consult your tax and legal advisors before taking any action that may have tax consequences.

This information is intended for use only by residents of CA,CO,CT,FL,GA,IL,IN,KY,MN,MO,MT, NC, NJ, NV, NY,OH,OR,PA,TX,VA,WA. Securities-related services may not be provided to individuals residing in any state not listed above.

The financial calculator results shown represent analysis and estimates based on the assumptions you have provided, but they do not reflect all relevant elements of your personal situation. The actual effects of your financial decisions may vary significantly from these estimates--so these estimates should not be regarded as predictions, advice, or recommendations. Wachovia Securities does not provide legal, accounting, or tax advice. Be sure to consult with your own tax and legal advisors before taking any action that may have tax consequences.