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The information and contents on this site are for informational purposes only and do not constitute an offer to sell or a solicitation of an offer to buy any security, product, or service. This site does not provide specific financial, insurance, legal, or tax advice and should not be relied upon as a basis for investment decisions. The information contained in this site is not designed to meet the specific needs of individual investors. We recommend that you consult with your investment professional, legal advisor and/or tax advisor concerning your own individual situation.

Products and services referred to in this site are available only in those jurisdictions where they are lawfully approved for sale and are sold only through licensed persons that are appropriately registered or exempt from registration in that jurisdiction. United Planners United Planners and its licensed representatives may only transact business in any state if first registered, excluded or exempted from state broker-dealer, investment adviser, BD agent or IA rep registration requirements. Follow-up, individualized responses to persons in any state by United Planners and/or its representatives that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation will not be made absent compliance with state broker-dealer, investment adviser, BD agent or IA rep registration requirements, or an applicable exemption or exclusion.

Mutual Funds are sold by prospectus only. Please contact Michael Radford for a prospectus containing more complete information, including charges and expenses. Read the prospectus carefully before investing or sending money. Past performance is not indicative of future results.

No-Load Mutual Funds can be purchased directly with the fund company. No-load mutual funds are sold without a sales charge; however, ongoing expenses such as management fees are associated with these funds.

Money Market Funds are neither insured nor guaranteed by the US Government. There is no assurance that the fund will be able to maintain a stable net asset value of $1.00 per share.

Certificates of Deposit (CD) offer a fixed rate of return. CDs do not necessarily protect you against a rising cost of living. CDs are insured up to $100,000.00. FDIC insurance applies in the case of insolvency of the bank, but does not protect market value.

All fixed income investments, including Treasury bonds, are subject to day-to-day market value fluctuations. If sold prior to maturity, they could be worth more or less or the same as your initial investment. Municipal issues may be subject to the Alternative Minimum Tax (AMT).

Dollar Cost Averaging (DCA) involves continuous investment in securities, regardless of fluctuating price levels. Investors should consider their financial ability to continue purchases through periods of low price levels or changing economic conditions. Such a plan does not assure a profit and does not protect against a loss in a declining market.

Variable Life Insurance policies are not short-term investments. Variable Annuities are subject to early withdrawal prior to age 59-1/2 and may result in a 10% IRS penalty and contingent deferred sales charges. Investment return and principal value will fluctuate so that your shares may be worth more or less than original cost when redeemed.

Options are not suitable for all investors, as they are speculative investments. Please review the Options Disclosure Document and Amendment containing more complete information on the risks and rewards of option investing.

Bonds purchased may be worth less than original cost upon redemption.

Zero Coupon Bonds have increased volatility due to the lack of regular interest payments, which could mean greater price fluctuations in principal value if sold prior to maturity. A Zero Coupon Bondholder must declare the accrued interest as taxable income annually on their federal tax return.

The unit value of Unit Investment Trusts (UIT) will fluctuate with changes in market conditions. Estimated current return represents net annual interest income after expenses, divided by the current price on that date. Long-term return represents an average of the yields to maturity (or call) of the bonds in the trust portfolio adjusted to reflect expenses and sales charges. Long-term returns reflect the amortization of premium or accretion of a discount, if any, on bonds in the trust.

Securities and investment advisory products are offered through United Planners Financial Services, member FINRA/SIPC. Mike Radford is a registered representative and investment adviser representative of United Planners Financial Services. Radford Financial and United Planners Financial Services are separate and unrelated companies.

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