Scalise Financial Advisors, Inc.

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="left" valign="middle" colspan="3"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <br>4021 West 12th Street <br>Erie, PA 16505 <br>Phone: 814-836-1038 <br>FAX: 814-833-7944 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:dscalise@royalaa.com"> dscalise@royalaa.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <table style="width: 414px; height: 410px" cellspacing="0" cellpadding="5" width="414" border="0"> <tbody> <tr valign="middle"> <td width="50%"><img style="width: 133px; height: 188px" height="200" alt="" width="157" border="0" src="/files/15092/tony.gif" /></td> <td width="50%"> <p><span style="font: 10pt arial, helvetica, sans-serif"><font face="Arial, helvetica, sans - serif" size="2"><strong>Anthony F. Scalise </strong></font></span></p> <p><span style="font: 10pt arial, helvetica, sans-serif"><font face="Arial, helvetica, sans - serif" size="2"><strong>Financial Advisor<br /> <br /> </strong></font></span><span style="font: 10pt arial, helvetica, sans-serif">4021 West 12th Street <br /> Erie, PA 16505<br /> </span><span style="font: 10pt arial, helvetica, sans-serif"><br /> Phone: 814-836-1038 <br /> FAX: 814-833-7944</span></p> </td> </tr> <tr> <td> <img style="width: 125px; height: 184px" height="200" alt="" width="161" border="0" src="/files/15092/Dean photo.jpg" /></td> <td> <p><font face="Arial, helvetica, sans - serif" size="2"><strong>Dean E. Scalise, </strong><b>CFP®</b></font><font face="Arial, helvetica, sans - serif" size="2"><br /> CERTIFIED FINANCIAL PLANNER™ <br /> </font></p> <p><span style="font: 10pt arial, helvetica, sans-serif">Email: <a href="mailto:dscalise@royalaa.com">dscalise@royalaa.com</a></span></p> </td> </tr> </tbody> </table> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA3_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA3_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA3_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=129" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">College Funding</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the cost of your child’s education, based on the variables you input.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=136" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cost of Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate how much income and savings you may need in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=697" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Capital Gains Taxes</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate short-term and long-term federal capital gains taxes</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=702" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Portfolio Lifespan</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How Long Will Your Funds Last?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/A/TA3_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2835" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Using a Variable Annuity for Guaranteed Income</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2703" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Exchange-Traded Funds: In a Class by Themselves</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> In 2010, the combined assets of the nation's ETFs topped more than $800 billion. ETFs are unique investments that share some similarities with mutual funds but trade like stocks. ETFs have some appealing characteristics, including trading flexibility, potentially lower expense ratios, tax efficiency, and diversification.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2790" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Debating the Debt Ceiling</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> There has been substantial debate in Congress over raising the ceiling on the national debt. Although many Americans could be adversely affected if Congress decided not to increase the debt ceiling, this is unlikely to happen.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2739" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Consider Your Retirement Needs, but Don't Forget Your Retirement Wants</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA3_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA3_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <table align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td><a href="markets.cfm" target="mondo"><img src="/graphics/A/TA3markets.gif" alt="Markets" border="0" width="100" height="44"></a></td> <td><a href="charts.cfm" target="mondo"><img src="/graphics/A/TA3charts.gif" alt="Charts" border="0" width="100" height="44"></a></td></tr> <tr><td><a href="quotes.cfm" target="mondo"><img src="/graphics/A/TA3quotes.gif" alt="Quotes" border="0" width="100" height="44"></a></td> <td><a href="portfolio.cfm" target="mondo"><img src="/graphics/A/TA3portfolio.gif" alt="Portfolio" border="0" width="100" height="44"></a></td></tr> </table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA3_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA3_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA3_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/A/TA3_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/A/TA3_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/A/TA3_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/A/TA3_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/A/TA3_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> </table></div></body></html>