Securities and investment advisory services offered through NEXT Financial Group, Inc., member FINRA/SIPC. To view NEXT Financial Group’s privacy policy and other important information, visit the "Customers" section of www.nextfinancial.com. To check the background of any investment professional, visit www.BrokerCheck.org. Although Capital Consulting Group & TwinCitiesRetirement.com are affiliated, they & CLS Investments are not affiliated with NEXT Financial Group, Inc. Investment products and services available only to residents of: Minnesota, Arizona, California, Florida, Kentucky, New Hampshire, North Dakota, Ohio, South Carolina, South Dakota, Texas, Tennessee, and Wisconsin. NEXT Financial Group, Inc. does not offer tax or legal advice. Please consult your tax or legal professional before taking any action.

There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. Diversification cannot assure a profit or protect against a loss in any given market environment. An investment in a portfolio strategy is subject to investment risk, including possible loss of principal. The investment strategy of the funds used may include investments in foreign securities, small & medium sized companies, as well as funds that concentrate in one specific asset class, all of which may increase the risk and volatility of the funds. Consider the investment objectives, risks, charges and expenses of the portfolio carefully before investing. This information should not be construed as an offer to sell or a solicitation or an offer to buy any security.

The information presented here does not consider your particular investment objectives or financial situation nor does it make personalized recommendations. This information should not be construed as an offer to sell or a solicitation of an offer to buy any security. The investment strategies may not be suitable for you. Individuals should contact their own tax professionals and attorneys to help answer questions about specific situations or needs prior to taking any action based on this information. We believe the information provided is reliable, but do not guarantee its accuracy, timeliness, or completeness. Any opinions expressed herein are subject to change without notice.

Past performance is not a guarantee of future results.

* In order to claim your complimentary cruise, you must be an existing client of Capital Consulting Group, or you must have been referred by an existing client. Limit 1 ticket per survey response per year. Limit 2 tickets per household per year. Must be 30 years of age.