<p>Making the most of your Retirement Plan</p><p>Your company’s retirement plan is a smart way to save for a secure financial future. Below are a few helpful hints to help you reach your goals. </p><p> DO’S   DON’TS </p><p> Do participate. Today. Each day you  Don’t let emotion rule. Remember wait the less money you will have at that the market fluctuates and that you retirement. are in this for the long term.  Do diversify your investments.*  Don’t “listen to your neighbor.” Consider your age and your tolerance Consider the source of such investment to risk. advice.  Do contribute enough to receive the  Don’t time the market. This is a full benefits of the employer match (if dangerous game to play. offered).</p><p> Do rebalance your investment  Don’t chase returns. It won’t get allocation regularly. you any closer to where you need to be.</p><p>*Diversification does not assure a profit or protect against loss in declining markets, and diversification cannot guarantee that any objective or goal will be achieved.</p><p>Remember, you are in control of your retirement savings  so be pro-active! If you have any questions or are unsure how to invest your money, contact Sean at Diversified Investment Services at 800-660-8141 x224.</p><p>Sean L. McCarty, AIF® Larry M. McCarty, CPA AIF® Financial Advisor Financial Advisor DIVERSIFIED INVESTMENT SERVICES, INC. DIVERSIFIED INVESTMENT SERVICES, INC. 180 North Riverview Dr., Ste 220 180 North Riverview Dr., Ste 220 Anaheim Hills, CA 92808 Anaheim Hills, CA 92808 email: [email protected] email: [email protected] phone: (714) 974-4500 X224 phone: (714) 974-4500 X215 fax: (714) 974-7943 fax: (714) 974-7943 Skype: dis.seanmccarty Skype: dis.larrymccarty</p><p>A referral is the greatest compliment I can receive.</p><p>We recommend that you never send via email any instructions pertaining to a securities transaction, such as buying or selling an investment, or making a deposit or withdrawal from your account. Instead, please telephone our office and speak with someone personally. Due to the limitations of technology, as well as privacy concerns, for your own protection, we cannot accept orders via email or voicemail.</p><p>This message is confidential and intended for the private use of the recipient. If you are not the intended recipient, please delete this message and inform me of this transmission error. Larry McCarty (CA Insurance License # 0B16131) and Sean McCarty are Registered Representatives and Investment Adviser Representatives with/and Offer Securities and Advisory Services through Commonwealth Financial Network.</p><p>This material is not intended to replace the advice of a qualified attorney, tax adviser, investment professional or insurance agent. © RPAG 2011-23</p>