Stan Bruno, CFP

<body> </head> <body text="#000000" link="#000000" vlink="#000000" alink="#000000" bgcolor="#FFFFFF" leftmargin="0" topmargin="0"> <table border="0" cellpadding="2" width="100%" cellspacing="0"> <tr> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1417" target="_top"> <img src="/graphics/tsr08083.gifl" border="0" width="120" height="50" alt="Protect Your Downside" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Protect Your Downside</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1395" target="_top"> <img src="/graphics/tsr08066.gif" border="0" width="120" height="50" alt="What's Next for IPOs?" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>What's Next for IPOs?</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1418" target="_top"> <img src="/graphics/tsr08084.gifl" border="0" width="120" height="50" alt="Every Little Bit Helps" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Every Little Bit Helps</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1464" target="_top"> <img src="/graphics/tsr08105.gif" border="0" width="120" height="50" alt="Should You Found a Foundation? " vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Should You Found a Foundation? </strong> </font> <br><br> </a> </td> </tr> </table> </td> </tr> </table> <table width="100%" border="0" height="196" cellpadding="0" cellspacing="0" align="center"> <tr> <td align="center" width="50%" valign="top"> <table border="0" align="center" width="301" height="196" background="/graphics/A/T11Calcbox.gif"> <tr> <td align="left" valign="top"> <span style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;"> <img src="/graphics/spacer.gif" height="41" width="1"> <br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=136" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Cost of Retirement</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=138" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Estate Taxes</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=133" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Tax-Deferred Savings</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=861" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Required Minimum Distributions</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm" target="_top"><font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;"> More Financial Calculators...</font></a> </span> </td> </tr> </table> </td> <td align="center" valign="middle"> <table border="0" cellpadding="0" cellspacing="0"><tr> <td width="16" height="16"><img src="/graphics/q1.gif" width="16" height="16"></td> <td height="16"background="/graphics/q2.gif"> <img src="/graphics/q2.gif" width="1" height="16"></td> <td width="24" height="16"><img src="/graphics/q3.gif" width="24" height="16"></td> </tr><tr> <td width="16" background="/graphics/q4.gif"> <img src="/graphics/q4.gif" width="16" height="1"></td> <td align="center" valign="middle"><table bgcolor="#DCDCDC" align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <font size="2"><strong>Market Watch</strong></font> - November 21, 2008 @ 04:04 AM<br><br> </font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$INDU" target="mondo"><font color="#000000"><strong>Dow Jones Industrials</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 7,552.29</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 444.99</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$COMPQ" target="mondo"><font color="#000000"><strong>Nasdaq Composite</strong></font></a> </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="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$SPX" target="mondo"><font color="#000000"><strong>S&P 500</strong></font></a> </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="lower"> <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="-1"> <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><td width="24" background="/graphics/q5.gif"> <img src="/graphics/q5.gif" width="24" height="1"></td> </tr><tr> <td width="16" height="24"><img src="/graphics/q6.gif" width="16" height="24"></td> <td height="24" background="/graphics/q7.gif"> <img src="/graphics/q7.gif" width="1" height="24"></td> <td width="24" height="24"><img src="/graphics/q8.gif" width="24" height="24"></td> </tr></table> </td> </tr> <tr><td align="center" colspan="3"><font color="#000000" face="Arial, Helvetica, sans-serif" size="-2"><br><p><font color="#000080" size="2"><strong>If you have any questions regarding your financial well being, please call me at 949-837-6700</strong></font></p> <p><font color="#000080"><strong><font size="2">For your convenience, you may also use the following links.</font></strong><strong>The information being provided is strictly as a courtesy. When you link to any of the provided herewith, you are leaving this site. Stan Bruno and Royal Alliance Associates, Inc. makes no representation as to the completeness or accuracy of information that is provided at these sites. Nor are the parties liable for any direct or indirect technical or systems issues or any consequences arising out of your access to or your uses of third-party technologies, sites, information and programs made available through this site. <br /> You are now leaving the website of Stan Bruno, CFP and you assume total responsibility and risk for your use of the site you are linking to. <br /> For more complete information, including charges and expenses, on the mutual fund/variable annuities offered by the investment companies listed above, please refer to the prospectuses available at the sponsor sites or you may request a prospectus from the sponsor. Also, you may call Stan Bruno at: 949-837-6700 or send an e-mail to <a href="mailto:sbruno@royalaa.com">sbruno@royalaa.com</a> to request one. Please read it carefully before you invest.<strong><br /> Stan Bruno is a Registered Representative of and offers securities products and services through Royal Alliance Associates, Inc. Member <a target="_blank" href="http://www.finra.org">FINRA</a>/<a target="_blank" href="http://www.sipc.org">SIPC</a>, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CO, DC, FL, GA, HI, KY, ID, IL, LA, MI, MN, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, TX, UT, AND WA. No offers may be made or accepted from any resident outside the specific states referenced.<strong><br /> Stan Bruno is also separately registered as an investment advisor representative under Stanley Bruno, a registered investment advisor, offering advisory services in the state of CA. As such, these services are strictly intended for individuals residing in CA.<strong><br /> IMPORTANT CONSUMER INFORMATION<strong><br /> A broker-dealer, investment advisor, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment advisor, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advise for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.<strong><br /> For information concerning the licensing status or disciplinary history of broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.</strong></strong></strong></strong></strong></strong></font></p> <p> <table cellpadding="3" width="85%"> <tbody> <tr> <td><a target="_" href="http://www.franklintempleton.com"><font color="#0000ff" size="2"><strong>Franklin Templeton Funds</strong></font></a></td> <td><a target="_" href="http://www.hartfordinvestor.com"><font color="#0000ff" size="2"><strong>Hartford Variable Annuities</strong></font></a></td> </tr> <tr> <td><a target="_" href="http://www.mfs.com."><font color="#0000ff" size="2"><strong>MFS Funds</strong></font></a></td> <td><a target="_" href="http://www.oppenheimerfunds.com"><font color="#0000ff" size="2"><strong>Oppenheimer Funds</strong></font></a></td> </tr> <tr> <td><a target="_" href="http://www.phoenixfunds.com"><font color="#0000ff" size="2"><strong>Phoenix Funds</strong></font></a></td> <td><a href="http://www.pimcofunds.com"><font color="#0000ff" size="2"><strong>Allianz & Pimco Funds</strong></font></a></td> </tr> <tr> <td><a target="_" href="http://www.strategicpartners.com"><font color="#0000ff" size="2"><strong>Prudential Variable Annuities</strong></font></a></td> <td><u><a href="http://www.principalfunds.com"><font color="#0000ff" size="2"><strong>Principal Funds</strong></font></a></u></td> </tr> <tr> <td><u><strong><a href="http://www.curiancapital.com"><font color="#0000ff" size="2">Currian Capital Managed Accounts</font></a></strong></u></td> <td><font color="#0000ff" size="2"></font></td> </tr> </tbody> </table> </p> <p><font color="#0000ff" size="2"> </font></p></font></td></tr></table> <table width="100%" align="center" border="0" cellpadding="4" cellspacing="0"><tr><td align="center"> <div align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><br>[ <a style="text-decoration:none" href="research.cfm" target="_top">Articles</a> | <a style="text-decoration:none" href="calculators.cfm" target="_top">Calculators</a> | <a style="text-decoration:none" href="newsletters.cfm" target="_top">Newsletters</a> | <a style="text-decoration:none" href="quotes.cfm" target="mondo">Quotes</a> | <a href="https://www.emeraldsecure.com/contact_form.cfm?SSLID=654&SN=263873426" onclick="javascript:infobox('https://www.emeraldsecure.com/contact_form.cfm?SSLID=654&SN=263873426','680','550'); return false;" target="_blank" style="text-decoration:none">Contact Us</a> ] </font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <a style="text-decoration:none" href="copyright.html" onclick="javascript:infobox('copyright.html','400','335'); return false;" target="_blank"> Copyright 2008 by Emerald Publications.</a><br> </font></td></tr></table></div></body></html>