Information presented is for educational purposes only and is not intended to make an offer or solicitation for the sale or purchase of any specific securities, investments or investment strategies.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not a guarantee of future performance. Data referenced above is taken from the last ten plans analyzed in October, 2017. Fund ratings are based on Morningstar, Star ratings. 4 and 5 Star funds are assumed to be highly rated. 3 Star and below are referenced as average or below.