Annual Returns of Investment Portfolios

Legal information about presented returns: The results presented herein do not represent actual client accounts. The total returns represent the portfolio’s return as modeled via a simplified proxy which tracks the specific securities. Total returns include reinvestment of dividends and capital gains and are net of all mutual fund / ETF fees and expenses, but do NOT include Pensinger Financial’s investment management fee. Such returns may be materially different than those achieved in an actual account and are not necessarily indicative of future results. Actual client account performance may differ significantly based upon the timing of investments, portfolio rebalancing, money withdrawals and contributions, and the level of trading costs and/or brokerage costs charged by a particular custodian. An investment in any of the model portfolios involves risk and the possibility of loss.

All information contained herein is for informational purposes only. There is no assurance that this strategy will produce profitable returns or that any account will have results similar to the hypothetical returns presented. Past performance is not a guarantee of future results. Investing involves risk of loss. The performance shown has not been prepared in accordance with GIPS presentation and reporting requirements.

Pensinger Financial, Inc. is an investment advisor registered with the State of Illinois. Carefully consider the investment objectives, risks, charges and expenses before investing. Please read the prospectus before investing. Prospectuses are available upon request.