DuHamel and Associates

DuHamel & Associates specializes in wealth management solutions. We provide the following products and services:

Individual Stocks & Bonds*Estate Planning
Exchange Traded Funds (EFT)*Business Planning
Retirement Planning
Mutual Funds*Life Insurance
Variable Annuities*Health Insurance
College Savings Plans*Dental Insurance

DuHamel & Associates does not offer auto, homeowners, commercial, liability, or workers comp insurance, but has relationships with quality agents on a referral basis.

Finally, our dedication and customer service is our most important product. When you hire us, we become your partner in planning your financial future.

*Variable annuities are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59 ½, a 10% federal penalty may apply. Money distributed from the annuity will be taxed as ordinary income in the year the money is received. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than its original amount invested. An annuity does not provide any additional tax deferral benefit, as tax deferral is provided by the plan. Annuities are subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject. However, an annuity does provide other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you.

**Investors should consider the investment objectives, risks and charges and expenses of the fund carefully before investing. Investing in mutual funds is subject to risk and potential loss of principal. There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives. The prospectus contains this and other information about the fund. Contact Terry DuHamel at (800) 874-6910 or mail a request to 6187 Carpinteria Ave Carpinteria CA 93013 in order to obtain a prospectus which should be read carefully before investing or sending money.