A New Generation of Investment Management...

Imagine yourself as a skipper in a regatta. On your way to yet another victory, your sailboat suddenly begins to take on water. Stormy weather surrounds you. Will you go down with the ship, or ride out the storm? If only you could change vessels mid-race, move to safety and even lead the race once again?

A difficult task to accomplish in stormy seas; but it can work for your investments. Flexible Plan Investments, Ltd. has developed a dynamic asset allocation service designed to pick the current market leaders and "sail" them until a faster vehicle comes along. Striving to realize above-market returns with below-market risk, we call it Evolution Asset Allocation - A New Generation of Investment Management.

Evolution is designed to help keep investors on board the fastest ship in the fleet. Using our proprietary total return ranking software, Evolution seeks out the top performing funds each week, be they growth, value, small cap, large cap, U.S. bonds, high yield bonds, international stock, global bonds, sectors, or even money markets. Applying Evolution's active management to a diverse universe of funds puts Evolution on course to the lower risk of traditional passive asset allocation, but with higher returns.

How it Works
Evolution combines the best features of asset allocation and risk management into a cohesive, responsive investment program. Like asset allocation, Evolution is usually invested in three or more different mutual funds. While not every trade will be profitable, during periods of slow growth or market decline, Evolution provides the freedom to move into the safety of money market funds. At Flexible Plan, we believe navigating into a safe harbor to wait out a storm is preferable to continuing to sail, risking life and limb, on storm-tossed seas.

Evolution reviews all of the funds available within each fund family on a weekly basis and reallocates your investment account as often as necessary within fund trading guidelines. Reallocation is based on the principle of the survival of the fittest, utilizing funds with the best performance. Additionally, funds are also chosen using our exclusive "Turnaround" signal. By also investing in the funds that have fallen to the bottom of the rankings then rebounded strongly, Turnaround seeks to generate additional profits without increasing risk (standard deviation). Like a sailboat catching a breeze and coming on strong from behind, "Turnaround" uncovers those funds that may have previously lagged, but are suddenly surging forward with renewed vigor.

More Than One Way to Win the Race
Just as sailboats draw upon unique designs and strengths which enable them to win races, Flexible Plan Investments utilizes Evolution in unique ways, depending on the investments used and individual client needs. Evolution is available in the following investment vehicles:

Strategic Solutions
Evolution is at work within a number of the Strategic Solutions' strategies. Mutual fund strategies available include: sectors, bonds, global, index and socially conscious funds.

Variable Annuities
Flexible Plan actively manages variable life and variable annuity accounts using Evolution technology, including in its universe all sub-accounts (funds) which are available in a particular annuity contract: bond, global, equity and, of course, money market funds. Call us to learn more about Market SAVI, where clients can avail themselves of multiple strategies, including Evolution, in a single variable annuity contract.

Mutual Fund Families
Flexible Plan Investments currently makes Evolution available for select mutual fund families. We seek to include all available funds covering all asset classes, including money market funds. Where available, we also have Evolution strategies which rank funds within one asset class, such as bond, global, or sector funds. Again, contact us for specific information on available fund families.

Evolution gives your valuable investments the opportunity to sail with the leaders in the strongest performing funds. Choosing Evolution means choosing an investment tool that works to win.

To contact us to obtain more information about Evolution, click here.

For more complete information about a specific fund(s) or sub-account(s), including risks, charges, expenses, investment objectives and operating policies, please obtain a prospectus from your financial representative. Read it carefully before you invest or send money.

PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS

Inherent in any investment is the potential for loss as well as the potential for gain. A list of all recommendations made within the immediately preceding year is available upon written request.