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306 South Fourth Street

Effingham, IL 62401

Phone: 217-347-RING (7464)

Fax: 217-347-7465

info@ring-financial.com

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3 Potential Benefits of Dollar-Cost Averaging

Dollar-cost averaging is a disciplined investing approach and is one way to ride out market fluctuations.

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Last Closing Prices

Ticker Name	Percent Difference (when noted with %) otherwise Last Price	Difference (where applicable)
Nasdaq Composite	7,642.67	-2.50%
NYSE Composite	12,539.41	-1.90%
AMEX Composite	2,518.95	-1.93%

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Contact Us

306 South Fourth Street

Effingham, IL 62401

Phone: 217-347-RING (7464)

Fax: 217-347-7465

info@ring-financial.com

Map and Directions

*Securities and advisory services offered through SagePoint Financial, Inc., member FINRA/SIPC. Insurance and Tax services offered through Ring Financial, who is not affiliated with SagePoint Financial, Inc.

This communication is strictly intended for individuals residing in the state of Illinois. No offers may be made or accepted from any resident outside the specific state(s) referenced.

IMPORTANT CONSUMER INFORMATION

A Broker/dealer, investment adviser, 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 adviser, BD agent, or IA 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 advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing 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.

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