Wealth Report

							                                 Wealth Management with an Artist Approach
                              Our passion is making Wealth Management a beautiful experience.
This week let’s look at food as ART. Many of you may stop in at the Sugar Sisters Bakery on east Central for something sweet but did you
know they actually got their start by providing refreshments for Final Friday Events? If you don’t think this is a form of art, you probably
haven’t sampled their desserts. Our Disclaimer; Don’t try this if you are on a diet!



Weekly Commentary
January 19, 2009

Here’s What You’ll Find in This Week’s Commentary:
Market~There Are Still Opportunities Developing
Attending Church May Extend Your Life…

The Markets
Another year is in the record books. And from our perspective, the New Year brings new opportunities
to reshape investing through innovation. At Graber Wealth, we are working with the research
department at LPL Financial to reshape investment accounts to help utilize evolving market trends for
the benefit of our clients. Many questions, with the potential to touch individual investors on Main
Street as well as businesses on Wall Street and around the world, remain unanswered.
     1. How will consumption and savings, unemployment, monetary and fiscal policy,
         consumer/business confidence or a variety of other factors affect the global economic
         recovery?
     2. How do we address client concerns about investing for a particular life event such as
         retirement? At times like these, timely insights and perspectives about the economy and
         markets, can be particularly valuable.
     3. In any market environment, we strongly believe that investors should stay diversified across
         a variety of asset classes.
I recently read an interesting fact that underscores just how dismal the past year has been: 2008 was the
first year ever that the S&P was not up on a year-to-date basis on any given day during the year. Not
once. Pretty tough year to be an optimist if you’re also an investor. And as if the sheer numbers alone
weren’t enough to make you sick and beg for it to end, we are dealt yet another blow when a widely
respected and admired Wall Street icon is unmasked as possibly the biggest con artist in history. 2008
will go down as a truly devastating year for so many.

However, we still believe there are extraordinary investment opportunities developing in this distressed
market and we are committed to helping our clients make the most of these in the near future. As
always, call us with any questions or concerns. We love to hear from you.


       Returns through 01/16/08                1-Week           Y-T-D           1-Year          3-Year          5-Year          10-Year
     Dow Jones Industrials                      -3.70%          -5.64%         -33.46%          -8.92%          -4.82%          -1.20%
     NASDAQ Composite                           -2.69%          -3.02%         -36.13%         -12.93%          -6.50%          -4.20%
     Standard & Poor's 500                      -4.52%          -5.88%         -38.09%         -12.92%          -5.70%          -3.73%
     MSCI EAFE I L*                             -6.32%          -4.95%         -39.40%         -14.63%          -2.99%          -2.91%
    Source: Morningstar, BigCharts.com, Yahoo.Finance.com, MSCI.com                                                           *IL: in local currency

    The performance data quot ed represents past performance. I ndicies are unmanaged and cannot be invested into directly.

    3, 5 and 10 -year returns are annualized. Assumes dividends are not reinvest ed.




One Of My New Years Resolutions…to attend church regularly has Health
Benefits and may extend my life –
Who knew – weekly religious attendance could add years to your life. Recently studies on the effects of
exercise, religious attendance and anti-cholesterol drugs on life expectancy were examined. The news?
All three were found to be beneficial, with religious attendance adding two to three years to your life.
     Regular physical exercise clocked up to an extra three to five years.
     Cholesterol-reducing drugs such as Lipitor cholesterol about 2.5 to 3.5 years
          Regular church attendance adds two to three years.

Of course, those extra years don’t come without a cost. The approximate cost per life-year gained was:
    $2,000 to $6,000 for regular exercise
    $3,000 to $10,000 for regular religious attendance
    $4,000 to $14,000 for cholesterol-lowering drugs.

Here is a funny story about living a long life that ran in a local newspaper.
The local newspaper had heard that a local resident, Benny Smith, was coming up to his 110 th birthday,
so they sent out one of their reporters to interview him.
“How do you account for your longevity?” asked the reporter.
“You could say that I am a health nut,” Benny answered. “I have never smoked or drunk alcohol, I am always in
bed by ten o’clock, I’ve been going to folk dance classes since I was a teenager and I’ve always walked three miles a day,
even in rain or snow.”
“But,” said the reporter, “my uncle followed the exact same routine and he died when he was 75. So, how come it
didn’t work for him?”
“All I can say,” replied Benny “is that he didn’t keep it up long enough.”
If you would like to review your portfolio, give us a call.
Best regards,

Jan, Brian & Lorie Graber

P.S. Please feel free to forward this commentary to family, friends, or colleagues. If you would
like us to add them to the list, please reply to this email with their email address and we’ll ask for
their permission to be added.

To vie w past commentaries, please visit our website at www.GraberWealth.com.

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Securities offered through LPL Financial, Member FINRA/SIPC

* The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the
stock market in general.
* The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks.
* The NASDA Q Co mposite Index is an unmanaged, market-weighted index of all over-the-counter common stocks
traded on the National Association of Securit ies Dealers Automated Quotation System.
* The MSCI EAFE IL is an un managed group of securities considered representative of the non-U.S. stock market in
general.
* Yahoo! Finance is the source for any reference to the performance of an index between two specific periods.

The above indexes are unmanaged indexes, wh ich cannot be invested into directly. Past performan ces is no guarantee
of future results. This information is for informat ional purposes only and is not intended to provide specific advice or
recommendations for any individual. Before making any financial co mmit ments, please consult with your financial
professional.