Financial Independence

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/9601/ACF80FD.jpg" alt="Financial Independence" height="130" width="102" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>A Registered Investment Advisor Company</b> <br> <br>1280 Knollwood Drive <br>West Chester, PA 19380 <br>Phone: 610-696-1441 <br>FAX: 610-696-1424 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:cberberich@partnervest.com"> cberberich@partnervest.com</a> <br> <a href="mailto: jberberich@partnervest.com"> jberberich@partnervest.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p>Investment advisory services are offered through Partnervest Advisory Services LLC, an investment advisor registered with the Securities & Exchange Commission.  Securities including,  without limitation, mutual funds, stocks, variable annuities and fixed income available through Partnervest  Securities, Inc., member FINRA/SIPC. Office of Supervisory Jurisdiction 510 Castillo Street, Second Floor, Santa Barbara, CA 93101 (888) 991-9969.  Securities are not insured by the FINRA, SIPC nor are they obligations of or guaranteed by Partnervest Securities, Inc. or any affiliated entity.  FINRA, SIPC and the SEC do not endorse any specific recommendation or services of the foregoing entities.  Such investments will fluctuate in value and are subject to investment risks including loss of some or all of the principal. </p> <p>Before proceeding further, please be advised that at present our representatives are licensed to discuss with and/or offer financial services and/or investment products with residents of: PA, DE, NJ, NY, CT, VA, NC, GA, OH, MI, IL, CA, FL, ID, Iowa, MN,WV, and Indiana. If you are a resident of any other state, please note that it is a simple and expeditious procedure for us to become licensed in other states as John Berberich,CEP and Christine Berberich,CFP hold a Series 6, Series 63 and Series 65 licenses. Under normal circumstances this licensing procedure takes only 24 to 48 hours. <br /> <br />  </p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192"> </td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA4_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td colspan="2" width="192"> </td><td width="14" valign="top" background="/graphics/A/TA4_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1463" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Increase Your Protection</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If your net worth exceeds the amount of liability coverage provided by your homeowners and auto insurance policies (each usually tops out somewhere between $300,000 and $500,000), you might want to consider an umbrella liability insurance policy.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1482" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Investing Can Be Funds</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The popularity of mutual funds is not surprising, considering the benefits they can offer to investors. Some of these benefits could help make mutual funds an important part of your portfolio.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1464" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Should You Found a Foundation? </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If you want to control how and where your donations are used, create an entity that has the potential to last for generations, and unite family members behind a worthy cause — and don’t mind some fairly strict paperwork requirements — this type of organization might be worth considering.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1483" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Leaving Memories, Not a Mess</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Although it is not a legal document, a letter of instructions enables you to clearly describe your preferences for a variety of issues, such as organ donations, memorial/funeral arrangements, and other details that are not specified in a will or a trust.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA4_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA4_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>November 21, 2008 @ 08:59 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 7,552.29</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 444.99</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,316.12</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 70.30</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 752.44</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 54.14</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA4_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA4_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA4_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/A/TA4_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/A/TA4_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?source=tax_library.cfm" target="_top"> <img src="/graphics/A/TA4_taxLibrary.gif" width="211" height="56" border="0" alt="Tax Library"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Manage your taxes and prepare for the upcoming tax season.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/A/TA4_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/A/TA4_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr></table></div></body></html>