Flexible Plan Investments, Ltd. is registered with the United States Securities and Exchange Commission (SEC) as an Investment Advisor and has filed notice as prescribed under the National Securities Markets Improvement Act of 1996 as a Federal Covered Advisor in the States and/or Territories of:
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

Important Consumer Information:

1) A broker-dealer, investment adviser, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment adviser, BD agent or IA rep requirements, as the case may be; and

2) Follow-up individualized responses to consumers in a particular state by broker-dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment adviser, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.

3) For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA rep, a consumer should contact his or her state securities law administrator.

Past Performance Does Not Guarantee 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.

DISCLOSURES

This presentation is provided for information purposes only and should not be used or construed as an indicator of future performance, an offer to sell, a solicitation of an offer to buy, or a recommendation for any security. Flexible Plan Investments, Ltd. cannot guarantee the suitability or potential value of any particular investment

Research Report results are hypothetical and were achieved by means of retroactive application of a computer model, with the benefit of hindsight, and may not represent the results of actual trading. Therefore, Research Report results are NOT represented as actual trading or client experience and they do not reflect the impact on decision making or economic or market factors experienced during actual management of funds. The investment return and principal value of an investment may be lower or higher than the performance quoted; and investors’ shares, when redeemed, may be worth more or less than their original cost. Annual returns are compounded monthly. Performance between selected dates may be misleading as indicative of overall performance of a strategy since the dates are susceptible of having been selected to present optimum performance.

Expenses of the funds are included to the extent they are reflected in the NAV. Sub-accounts of variable annuities, in addition to the expenses of a mutual fund, have mortality, administrative and other charges. Other fees may apply. All expenses are required to be disclosed in each investment's prospectus available from your financial representative and the product provider. Distributions have been reinvested. When provided, dividends are reinvested for indexes. In those cases where indexes do not provide dividend information, those returns would be understated. As individual tax rates vary, taxes have not been considered.

The Strategies, mutual funds, or annuity sub-accounts drawn for investment (the Universe Components) may be reduced or added to from time to time due to closures and other operational considerations. The list represents the universe in use at the time of this report, and may differ from prior periods. We review the Universe Components periodically and make appropriate changes. In those cases where a Universe Component does not have sufficient price history, a substitute, including in the case of annuities, a mutual fund, research report result or market index after which the sub-account was “cloned," may be used in order to create a longer history from which to test. When this occurs, the daily value of the surrogate may differ from the NAV of the actual Universe Component used prospectively due to different internal expenses. If the expenses are lower or in the case of indexes used, non-existent, the result of their use will be to overstate returns. Conversely, higher internal expenses will understate returns. No index is directly tradable.

Advisors Preferred LLC ("AP"). Pursuant to a contract with AP, Flexible Plan Investments, acting in the capacity of a sub-adviser, provides investment advisory services for investing in select equity, income, derivative and ETF Investments which Flexible Plan also may use in selected strategies regardless of the Investments described as being utilized elsewhere in this information. If these Investments are used in Client's portfolio, since Adviser would receive a fee for its sub-adviser activities, Clients will receive a pro-rata credit on their billing. AP is a federally registered investment adviser and is the adviser of the Gold Bullion Strategy Fund, Gold Bullion Strategy Portfolio and the Quantified family of funds. Flexible Plan Investments, Ltd. serves as investment sub-adviser to The Gold Bullion Strategy Fund and the Quantified funds, distributed by Ceros Financial Services, Inc. (member FINRA). AP is the Funds' investment adviser and is a wholly-owned subsidiary of Ceros Financial Services, Inc. AP is compensated by the funds in its role as investment adviser to the funds on the basis of assets under management in the funds.

An investor should consider the investment objectives, risks, charges and expenses of the Funds before investing. The prospectus should be read carefully prior to investing in the Funds. There is no guarantee that the Funds will achieve its investment objectives.

The principal risks of investing in the Funds are risks of the sub-advisor's investment strategy, risks of aggressive investment techniques, high portfolio turnover, risk of investing in derivatives, risks of investing in ETFs, risks of investing in other investment companies, leverage risk, taxation risk, concentration risk, gold risk, wholly-owned corporation risk, risk of non-diversification and interest rate risk. "Gold Risk" includes volatility, price fluctuations over short periods, risks associated with global monetary, economic, social and political conditions and developments, currency devaluation and revaluation and restrictions, trading and transactional restrictions.

You may obtain a Prospectus and SAI through the following contact information:

Advisor may predicate some strategies on trading signals furnished by non-affiliated firms. In such instances, the non-affiliated firm is under contract to Adviser to provide, and in certain instances, implement management of Client accounts in such strategies. Flexible Plan by necessity relies on information, data, and software provided by third parties, the reliability of which, while believed to be accurate, cannot be guaranteed and losses may result from reliance upon them. These are normal risks for which Flexible Plan takes no responsibility beyond use of reasonable care in its selection of the third party.

For many strategies, Adviser provides suitability-based profiles with names such as, without limitation, Conservative, Moderate, Balanced, Growth and Aggressive or with numerical designations such as 25, 40, 60, 80 and 100. Clients should draw no conclusions from such titles. Rather, they are simply a way of designating the hierarchical ranking of Adviser's Profiles within a strategy. They are not meant to imply any ranking within some universal risk measure or benchmark, nor are they equivalent to a Client's subjective concept of the term.

For certain multi-strategy portfolios this report may not reflect actual portfolios because the component strategies may change quarterly or when market conditions, in Flexible Plan's or the sub-adviser’s opinion, warrant a change. These results are derived from the historical hypothetical research reports of the component strategies in each of the model portfolios. These results reflect a snapshot of those allocations carried backward in time to demonstrate how the combination would have performed in the historical period provided.

Active investment management may involve more frequent buying and selling of assets. While the strategy does utilize no load mutual funds with no transaction charges, and best efforts are employed to avoid short-term redemption charges, active managed strategies can still result in charges, especially when entering or exiting a strategy. If investing within a non-tax-deferred investment, Investors should consider the tax consequences of moving positions more frequently. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification cannot protect against all market risk.

“Composite Report” results for the identified investment management strategy shown are time weighted geometrically linked returns. The performance is from the aggregated composite results of all accounts with substantially similar investment policies, objectives and criteria as services being offered herein. The results you actually achieve will differ based on the custodian and the available fund universe. Accounts are beginning of period asset weighted results. If an account terminates during a period, it is removed from the composite for that period and successive periods.

Enhancements have been made in our methodologies on numerous occasions, which are believed to have had a positive effect on returns. The amount is not precisely quantifiable, but as strategy actual buy and sell signals are used, to the extent described, the effect of these enhancements is reflected. Efforts to develop indicators are ongoing and may result in further changes. Dividends are reinvested where available.

Utilizing performance between selected dates may not be indicative of overall performance of a profile since the dates chosen may have been selected to present optimum performance and may not be representative of investment performance of any profile during a different period. Mutual fund or annuity results will vary based upon their volatility as they relate to the S&P 500 Index or other indices that may be shown. Specific mutual funds, sub-accounts or indices may materially outperform or under perform these results. Various mutual funds or sub-accounts used in any model account may no longer be available due to the result of advisor's, sponsor's, or fund advisor's periodic review, fund consolidations and/or exchange conditions imposed by the funds or annuity.

References to popular market indexes are included to demonstrate the market environment during the period shown and are not intended as 'benchmarks.' Index returns are after dividends. Since Index dividends are posted after the end of each month, they are retroactively prorated on a daily basis (which tends to understate returns if the end date range is inclusive of the current partial month). The Dow Jones Corporate Bond Index includes fixed rate debt issues rated investment grade or higher by national rating services. Investments by bond funds utilized in generating the above returns may not be similarly rated. The investment program for the accounts included in the profiles includes trading and investment in securities in addition to those that may be included in the S&P 500. Such indexes may not be comparable to the identified investment strategies due to the differences between the indexes' and the strategies' objectives, diversification, represented industries, number and type of component investments, their volatility and the weight ascribed to them. No index is a directly tradable investment.

After Fees

If this presentation is calculated with the maximum current management fee, the maximum current management fee in effect is 2.25% (1.75% for group retirement plans) and, if applicable, subject to a credit for use of any subadvised funds (primarily used in QFC strategies). Strategic Solutions and Managed Solutions and, effective July 1, 2003, fees are deducted, in arrears at the rate of 2.25% annually, with pro-ration of partial periods. Actual management fees will vary between 1.0% and 2.25% annually. Returns for certain programs/product families are shown before withdrawal of a maximum establishment fee of 1.2% unless the selected date range includes the inception date (start date) and if the solicitor firm allows the use of an establishment fee. All mutual fund fees and expenses are included to the extent they are reflected in net asset value; other fees may apply. As individual tax rates vary, taxes have not been considered.

Before Fees, or Reduced Fees

If this presentation is calculated without the maximum current management fee, the investment returns may be inflated and this presentation is not for public distribution. It is to be used solely in “one on one” presentations where clients or prospective client has full opportunity to discuss the types and amounts of fees and expenses. Returns would be reduced by such payments and the impact would be magnified by the effect of compounding if such payments were withdrawn from the account. For example, the payment of annual advisory fees of 2% of the year end account values would reduce a gross five-year compound annual rate of return of 8.5% to 6.3%. On a cumulative basis using such assumptions, $100,000 would grow to $135,900, versus $150,400 without fees. The payment of an establishment fee of 1.2% of the initial account value would reduce a gross five-year compound annual rate of return of 6.3% to 6.1%. On a cumulative basis using such assumptions, $100,000 would grow to $134,300 versus $135,900.

Fees are not taken into account in computing Annualized risk, Beta or Maximum loss (daily). Since monthly maximum loss is after fees, there may be an occasion when monthly max loss may exceed daily max loss.

ASSET CLASS RISK CONSIDERATIONS

US and Global Bonds: All investments involve risk. Special risks associated with investing in bonds include fluctuations in interest rates, inflation, declining markets, duration, call and credit risk. Special risks are associated with foreign investing, including currency fluctuations, economic instability and political developments. Investments in developing markets involve heightened risks related to the same factors, in addition to those associated with these markets’ smaller size and lesser liquidity.

Commodities: Concentrating investments in natural resources industries can be affected significantly by events relating to those industries, such as variations in the commodities markets, weather, disease, embargoes, international, political and economic developments, the success of exploration projects, tax and other government regulations and other factors. US and Global Real Estate: Investments in Real Estate are subject to changes in economic conditions, credit risk and interest rate fluctuations Global Currencies: Foreign currency exchange rates may fluctuate significantly over short periods of time. They generally are determined by supply and demand in the foreign exchange markets and relative merits of investments in different countries, actual or perceived changes in interest rates, and other complex factors. Currency exchange rates also can be affected unpredictably by intervention (or the failure to intervene) by U.S. or foreign governments or central banks, or by currency controls or political developments. Long / Short Directional: Portfolio may invest in derivative investments such as futures, contracts, options, swaps, and forward currency exchange contracts that may be illiquid or increase losses due to the use of leveraged positions. US and Global Equities: In addition to the foreign investment risks noted above, the principal risks associated with equities include market, portfolio management, and sector risks.

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by contacting your financial advisor. Please read the prospectus carefully before investing. Investment value will fluctuate, and shares, when redeemed, may be worth more or less than original cost.

Please read Flexible Plan Investments' Brochure Form ADV Part 2A and Part 3 (Form CRS) carefully before investing. As supplemental information, a listing of all recommendations made within the immediately preceding twelve months, all assumed trades and other data used to generate the referenced results is available upon request. Inherent in any investment is the potential for loss as well as the potential for gain.