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 cellspacing="0" cellpadding="5" width="334" border="0"> <tbody> <tr valign="middle"> <td width="50%"><img style="WIDTH: 159px; HEIGHT: 197px" 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 - 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: 154px; HEIGHT: 193px" height="200" alt="" hspace="" 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 -<br /> Financial Advisor</strong></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=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=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=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=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=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=1660" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Looking for a Recovery in Odd Places</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Are signs of an economic recovery showing up in hemlines and lipstick sales?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2029" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">A Simple Way to Help Your Family</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A letter of instructions, while not a legal document, can help your family cope during a difficult period by providing information that has no place in a will.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1922" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Love and Marriage and Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> More than 80% of married couples 45 to 72 say they don't agree on when they should retire, what their retirement lifestyle should look like, or whether they will work in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2030" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Most Recoveries Are Announced Months After They Begin</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Because it can take so long for the National Bureau of Economic Research to determine when a recession began or ended, people who delay financial decisions until they are certain a recession is over are at a disadvantage because they may be operating on old information.</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"> 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<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" 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