JOIN US FOR OUR COMPLIMENTARY SEMINAR

THE BENEFITS OF EDUCATION PLANNING

The seminar topics we will discuss include:

·    The Rising Cost of Education: College education costs are expected to more than double in 18 years, making the prospect of education funding daunting. But if you view college as a lifetime investment, we can help you integrate your college funding plan with your retirement, estate and overall financial goals.

·    Efficient Savings Vehicles: If you are a parent, several investment options-including Section 529 college savings plans, Coverdell Education Savings Accounts and UGMA/UTMA custodial accounts-are available to help you enhance your overall investment and retirement plans.

·    An Education Legacy: If you are a grandparent, funding college costs can be an excellent way to pass the value of education to your grandchildren while removing assets from your taxable estate.

Before you invest in a 529 plan, request an official statement and read it carefully. The official statement contains more complete information, including investment objectives, charges, expenses and risks of investing in the 529 plan, which you should consider before investing.

Any information presented about tax considerations affecting your financial transactions or arrangements is not intended as tax advice and cannot be relied on to avoid any tax penalties. The Financial Advisor does not provide tax, accounting or legal advice. You should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with your personal professional advisors.

TO JOIN US FOR AN INSIGHTFUL AND INFORMATIVE SEMINAR THAT

CAN HELP YOU MEET YOUR EDUCATION FUNDING GOALS.

DATE:              Sunday, December 17, 2006

TIME:              10:30 AM

LOCATION:     Turkish School - UCSD La Jolla Campus, Cross Cultural Center (CCC) Hall

BREAKFAST SPONSORED BY:     Merrill Lynch

SPEAKER:        Baris Guler - Financial Advisor

RSVP:               Baris Guler at 619-699-3977 or Baris_Guler@ml.com

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