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Material discussed is meant for general illustration and/or informational purposes only and is not meant to be construed as tax or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary; therefore, information in these newsletters should only be considered when coordinated with individual professional advice. All investing involves risk, including the potential loss of principal. And in the interest of compliance with industry standards, we must remind you that no investment strategy can guarantee profit or protect against loss during periods of declining values. These newsletters are produced for the benefit of clients of The Northstar Group, Inc., an investment advisor registered with the Securities and Exchange Commission. Comments and opinions offered here are not solicitations to buy or sell any security. Furthermore, these opinions are those of Northstar’s principals, Henry Asher and Linda Ray, and are not those of Royal Alliance Associates.