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THE DELTA ADVISOR™

“You’re Flying Into an

Unknown Financial Future— We Have Charts!”

JUNE 2014 Leading Authority on Successfully Investing Your 401(k)

What happened in the Market:

May, like April, was a positive month for most of the world’s capital markets and economies. U.S. stocks hovered around breakeven for most of May before pushing higher in the last 10 days of the month. At month’s end, the S&P 500 and developed international stocks advanced while emerging market stocks advanced the most. May’s stock gains finally pushed global stock indices ahead of global bond indices year-to-date, but stocks experienced much more volatility during the first five months of the year. Stocks still remain relatively attractive compared to other asset classes because the list of compelling alternatives is short. Stock prices in both developed and emerging markets should continue to be supported by accommodative policies at many of the world’s major central banks and by modest global growth.

CAPTAIN’S BRIEFING: NO CHANGE IN MODELS

We have a new email address! [email protected]

EXPIRED CREDIT CARD INFO? See page 7 for instructions

NEW FUND: FCNKX Fidelity ContraFund K was replaced in the platform investments by Fideilty ContraFund Comingled Pool 5/19/14.

Welcome to

the Table!!

meet Chris Lott

Expert Chair

Go to page 5

DC Election

window closes

June 13th!

U.S. and emerging bonds were both up in May, while international bonds declined the most during the month. U.S. Treas-

ury bonds advanced in May as well, with the longest term bonds performing the best. Since the bond market is said to be one of

the best indicators of economic activity, the recent rally in long bonds suggests that a lot of market participants think that slower

times may be ahead. Yields did start to increase in the last few days of the month and many would predict that would continue to

be the direction they head if economic activity continues to pick up.

Most likely, U.S. bond

prices are high (yields are

low) because growth and

inflation are low as well.

While no one can know

for sure where long term

bond prices will go from

here, the future for short

term bonds is much more

certain. With the Fed

struggling to meet its dual

mandate of price stability

and full employment, it will

likely continue to keep the

short end of the yield

curve anchored at

exceptionally low levels.

[email protected]

THE DELTA ADVISOR™ www.USPFA.org

717-569-8162

Investment Dashboard

The U.S. economy continues on its very slow, sluggish growth path according to data released in May. The data has been firm enough to suggest that the economy has regained traction in April and May and that the stall seen in the first quarter was owed largely to adverse weather and an inventory correction. The economy may soon benefit from an expected increase in household spending as household finances have improved. Consumers have reduced their debt and are “wealthier” due to firm-ing home and stock prices. State and local governments are moving past their retrenchment phases, so a decrease in fiscal drag could be a tailwind to economic activity. Manufacturing activity is improving and is playing a leading role in a potential turna-round. Consumer confidence rose recently and consumers said finding jobs is getting easier, according to the Conference Board's Consumer Confidence Index. Activity data over the next few months will be critical in assessing whether the slowdown earlier in the year was really transitory, and in judging whether the economy has sufficient momentum to withstand the eventual scaling back of monetary support by the Federal Reserve Open Markets Committee (FOMC). Interestingly, as the current U.S. re-covery approaches the five-year mark, the traction is the weakest that’s been observed since World War II. The economy has grown approximately half as much as the average post-war recovery, primarily a result of deleveraging and investor caution after the major financial crisis. And this despite the extraordinary monetary policy measures that have been implemented.

The other developed economies of the world also continue to advance, but to varying degrees. The Euro-zone recovery contin-ues and the worst of the debt crisis there seems to have passed. The threat of deflation and local growth concerns have been met with signals from the European Central Bank (ECB) that it intends to introduce accommodative measures at its early-June meeting - anything to get money moving and their economy growing again. Purchasing managers’ indices (PMIs), which have a good track record as leading indicators, show positive readings for the Euro-zone, which should see growth levels pick up before year-end. Japan’s economy grew sharply in the first three months of 2014, but no one knows for sure how their massive mone-tary stimulus policies will play out. China’s economy advanced 7.4% in the first quarter of 2014, slowing from a 7.7% expansion in the previous period, still beating market forecasts. Uneven stock indexes and low bond yields in developed countries are pushing waves of investors back into emerging market economies.

The minutes of the Federal Reserve’s April meeting were released earlier this month and contained no major surprises. Fed officials examined several options for the eventual tightening of monetary policy, but came to no conclusions. There was no news on the likely date of the first funds rate hike or the pace of subsequent hikes with participants' views on the economic outlook unchanged. A number of partici-pants expressed concern that the slowdown in the housing sector could prove persistent. Participants also argued that the unemployment rate understates slack in the total labor market. U.S. Federal Reserve Chairwoman Janet Yellen said again recently that the U.S. central bank would continue to keep interest rates near zero for a considerable period. Yellen and other Fed officials have emphasized the need for flexibility given the unprecedented amount of mone-tary stimulus the Fed created in response to the credit crisis and its aftermath. Now that the Fed tapering schedule seems set, attention is turning to the policy normalization process and a longer-term equilibrium for the fed funds rate.

The word cloud to the left is a visual representation of the latest fed minutes. The size of the word is a function of how many times

the word was mentioned in the minutes.

[email protected]

www.USPFA.org

717-569-8162

Definitions & Notes:

1. Tickers are created for convenience, but do not exist outside this newsletter. The majority of the funds in the Delta Plan are not really mutual funds. They are composites or comingled funds, etc. This creates two problems: 1) how our software references them (consequently, we need to create a ticker). You will use the fund name to trade. *REAL-TIME DATA* from these “funds” is used to make all calculations.

2. The funds above were selected to work, using the model system. There are other funds in the plan that are not used. There is no reason to have multiple international or emerging market funds, for example.

The Velocity Composite Fund Score Ranking combines the Velocity (speed of advance of a fund compared to all other funds) with its Buy Point Score (how close the fund is to a recent bottom). This composite score is used to rank all available fund choices. In defined Bull Market advances, the system uses the Top 3 funds in the Aggressive model and the Top 4 in the Moderate and Conservative models.

In Defined Bear Market periods, this ranking is provided for information purposes and for those who are “doing their own thing” and would like to know how the system views the funds. Rankings dates are the last business day of each month. The actual price history of each fund is used to calculate the score.

Velocity Composite Fund Score™ Ranking

NO CHANGES IN MODELS

READ: If your 401k plan has any trading restrictions, you must keep track of when you make buys and sells. Fidelity does a poor job of defining what excessive trading is and has expanded that definition to include

all funds.

Future Contributions: Direct ALL your future contributions into the money market account. They will automatically be invested in the correct funds whenever you do a new “allocation”.

EXPIRED? Renewals can be done

at https://www.uspfa.org/login-page/ Log in using your EMAIL and old password, then go to Members tab.

Do not use the JOIN link to renew your

membership.

To update new CREDIT CARD infor-mation BEFORE your membership

has expired; please call the office at 717-569-8162.

Ticker Symbol Score 1Mo 3Mo 6Mo 1Yr 2Yr 3Yr

DEMEQ Emerging Markets Equity Fund 1085 4.25 10.90 4.25 4.25 23.01 6.68

DEMEI Emerging Markets Equity Index Fund 1084 3.54 6.97 1.82 4.60 18.30 -4.36

GOBSX Legg Mason Global Opp Bond Fund 1054 2.49 5.84 8.29 5.10 15.06 19.29

RRRRX DWS RREEF Real Estate Securities Fund 1044 2.52 6.54 17.14 9.73 27.01 30.50

DBIXX Bond Index Fund 1025 1.20 1.82 3.34 2.80 3.80 11.15

DDBFX Diversified Bond Fund 965 1.17 1.76 2.98 2.37 5.95 13.07

DLC20 LifeCycle 2020 898 1.55 2.41 5.09 9.89 24.35 22.35

DIEFX International Equity Fund 897 2.24 4.11 5.42 15.99 48.88 22.02

DIEIX International Equity Index Fund 897 1.70 2.61 5.50 19.23 56.05 26.33

FCNKX** Fideilty ContraFund Comingled Pool 748 3.31 -1.19 4.52 20.74 46.98 50.17

DLCGF Large Cap Growth Fund 745 3.15 .69 4.80 23.55 52.90 53.39

DSMCG Small/Mid Cap Growth Fund 740 .79 -4.53 1.30 16.36 48.22 39.89

DSMCE Small/Mid Cap Equity Index Fund 735 1.53 -1.69 4.68 20.24 57.40 46.50

DLCVF Large Cap Value Fund 661 1.64 3.90 6.78 18.39 57.45 41.39

DSMVF Small/Mid Cap Value Fund 661 .23 -.46 1.40 16.91 47.38 36.41

DS500 SP500 Equity Index Fund 640 2.39 3.97 7.66 20.46 53.42 52.92

THE DELTA ADVISOR™

Approximate Future Publication Dates

1/3/14 1/15/14

2/4/14 2/18/14

3/4/14 3/17/14

4/2/14 4/15/14

5/2/14 5/15/14

6/3/14 6/16/14

7/2/14 7/15/14

8/4/14 8/15/14

9/3/14 9/15/14

10/2/14 10/15/14

11/4/14 11/17/14

12/2/14 12/15/14

1/5/15 1/15/15

Delta 401(k) Plan Conservative Model

Symbol Fund Name Allocate

FNSXX Fidelity Institutional Money Market Portfolio 60.00%

RRRRX DWS RREEF Real Estate Securities Fund 10.00%

DBIXX Bond Index Fund 10.00%

GOBSX Legg Mason Global Opp Bond Fund 10.00%

DEMEQ Emerging Markets Equity Fund 10.00%

I need to fill this space 100.00%

Delta Pilots 401(k) Plan Moderate Model




DBIXX Bond Index Fund 16.00%



I need to fill this space 100.00%


Delta Pilots 401(k) Plan Aggressive Model






100.00% I need to fill this space I need to fill this space

When should you be looking

for th

e next n

ewsletter?

** FCNKX Fidelity ContraFund K was replaced in the platform investments by Fideilty ContraFund Comingled Pool 5/19/14. FCNKX will be used as a proxy.

https://www.uspfa.org/login-page/

Timely Information and an Opportunity From the desk of David Lucca - advertisement

Now is the Time to Rollover Your Terminated Delta DC Plan The Election Window for your Terminated Delta DC Plan has OPENED. Here is a run-down of your options, using the latest information forwarded to us to explain and rank these six options.

Why This Is Important to You:

If you choose wisely, you can escape the IRS restrictions that keep you from accessing your DC Plan money before your retirement.

If you FAIL to make a choice, the government (ERISA) requires that your money be locked up in an insurance company annuity.

Captain’s Briefing:

Get full control of your DC Plan money in 2014, instead of waiting until retirement.

Hedge against the potentially overreaching Federal Government using these options correctly.

Your Delta DC Plan is no longer receiving new contributions as of December 31, 2013, and will be terminated, soon.

None of your money is lost or at risk as a result of the termination of this Plan. It will just change locations.

You can process your election choice NOW through June 13th using the link on the Delta 401K splash page when you log in.

There are six options you can choose. For married pilots, your spouse must sign off on whatever decision you make, other

than the annuity election. The whole point of streamlining the retirement plans and terminating the DC Plan

was to provide you with flexibility, greater investment choice and more personal control of your money as the world changes. Don't miss this rare opportunity to help yourself out.

Option 1: Rollover in-kind to your Delta Pilots Savings Plan (DPSP) What happens: The exact investments you hold in your DC Plan will be transferred to your 401k account. Pros: An easy choice if you just want to continue holding a non-changing investment choice. You would have a similar situation to what you have now. In effect, you would see a sub account appear in your other plan that will list all your former DC investments. Nothing will be liquidated, sold or repurchased. Cons: The newsletter doesn't hold a static choice of investments, it changes. You would still have to make changes to your plans. You will still have to make investment choices. Our Take: This is better than the insurance company annuity option, but that doesn't say much. If you don’t want to take advantage of the opportunity for flexibility, increased investment options and greater control of your money before retirement, this allows you to

maintain the status quo. Option 2: Rollover into a self-directed Fidelity IRA What happens: Any investments in the Brokerage Link portion of the DC Plan would be transferred “as is” into the IRA. Any investments you hold in the Core Fund Choices would be sold and rolled over into the Fidelity IRA as cash. Pros: You end up with the DC Plan money in an IRA outside your company retirement plan. This accomplishes moving your money out of the company plan and giving you control now, before your retirement. Cons: You will have to make investment decisions for your new Fidelity IRA, starting with cash and figuring out where to go. If you are following the newsletter system, you will not have access to the same fund choices. You’ll be on your own. Our Take: If you are one of the few that plans to eventually manage your own retirement money, this is a good time to try it out and see if you lose it before involving all your retirement money. Oh, yes, I’ve talked to several pilots who have lost huge portions of their retirement money by "becoming their own investment advisor". If you've developed the "chops" to handle your own money, or are something of a control freak, or don't want to pay anyone else, this is the option for you. Option 3: Rollover to a Professionally Managed IRA What happens: The world is your oyster. You can establish an IRA with any custodian. Pros: You end up with the DC Plan money in an IRA outside your company retirement plan. This accomplishes moving your money out of the company plan and giving you control now, before your retirement. You can take advantage of additional investment choices. You can choose a professionally managed IRA now, just like the majority of pilots do at retirement. In effect, you can do now what you will do later, by hiring a firm to take over the burden of ongoing investment decisions. Any professional fee can be deducted directly from your IRA on a pre-tax basis. Maximum access to asset classes, investment choices and risk controls (with professional management). By choosing this option, Fidelity is dispersing your DC funds within a couple weeks from date you make the election online! Cons: If you choose your own custodian, you will be making your own investment decisions apart from the newsletter. If you choose a professionally managed option, you will pay a fee. Our Take: We consider this the single best option. The committee has made it possible for you to take control early. Do it. This option gives you the most flexibility, investment choice and control of your money. There are two ways to do this:

(1) Do it on your own at any custodian. This will take some leg-work for you to set up, but it’s still a good choice. You will have to create an investment strategy to follow. (2) We are now offering a "RLC One-Step DC Plan Rollover" option at either of our custodians, Charles Schwab or Fidelity - exactly what most pilots will choose at retirement, when they can finally take control of their money. This opens up the door to doing a Roth IRA conversion or even fleeing the system, if the government tries to force retirement money into the Social Security system or the abysmal MyRA system that was recently announced. I mention those scenarios to point out that an IRA gives you a measure of control over your money now, before you leave Delta as a retiree

when you can get control of all of your money. If you choose to hire us, there is a $25,000 minimum DC value to roll it over for professional management.

Option 4: Rollover to a different (non-Delta) qualified Retirement Plan What happens: This won't apply to many pilots. It requires that (1) you have a qualified retirement plan from another employer and (2) that this plan accepts incoming rollovers. Not all do. Pros: Well, you made a choice that is better than the worst choice of the insurance company annuity! You may have access to some investment choices that the old DC plan didn't offer. Cons: You do not gain any control of your retirement money outside the plan. You jump from one retirement plan frying pan (with restrictions) to another retirement plan frying pan (with restrictions). You will still have to make investment choices on your own, since the newsletter will not cover your non-Delta retirement plan. You do not gain investment freedom with increasing choices and asset classes. You are still under all government-imposed retirement plan rules and regulations. You gain no flexibility to respond to a changing world. Our Take: Not a particularly good choice. You really do not gain increased flexibility or investment choice and no new control. I’m not sure why someone would do this. Option 5: Cash Payment What happens: All investments are liquidated and Delta cuts you a check. You have 60 days to rollover the equivalent or lesser amount into an IRA somewhere - or buy a boat or whatever :-) Pros: You have total control of your retirement money now. If you do not rollover the amount, it is no longer under any retirement plan law or IRA law. It is simply now yours, without restriction. If you rollover the money, you probably should have just opted for either of the IRA rollover options and skipped a step. Cons: If you do not rollover this dollar amount within 60 days, you will owe taxes at your current tax rate on this amount of income. If you are younger than 59 1/2, you will also incur a 10% early withdrawal penalty. If you get the check and decide to rollover the amount into an IRA, you added a step and made your life and tax reporting more difficult. Our Take: Unless you want the money now to pay off a home or something that will shore up your financial situation, and you are older than 59 1/2, this will be a costly option. Still, you may have circumstances where it makes sense. This is the kind of thing you should talk over with an investment advisor (not a broker/salesman). Option 6: Purchase a Commercial Insurance Company Annuity What happens: This is the default option for anyone who doesn't make a choice. Your money from your DC plan account is used to purchase an annuity at an insurance company. In the future, you can choose a date to begin receiving payments. This is the government plan for you. Pros: For everyone who is brain dead or just doesn't have a pulse, this option means decisions will be made for you! The best thing I can say about the annuity option is that it will provide ongoing monthly payments to you. Depending on which payment option you

choose (as an example, single life), you would receive a fixed amount monthly for the rest of your life. Cons: You are spending your money to buy an annuity. You cannot change your mind in the future - even if your life circumstances change and you need the money. You no longer own the money. You own a contract that will make payments only. You have no control, no investment choice and little flexibility. Our Take: If you really want to own an annuity, you can buy one from thousands of companies any time in the future. There is no point in doing so now. I consider this the single worst option out of the six options.

My Ranking based on Flexibility, Investment Choice & Control #1 Rollover to a Professionally Managed IRA #2. Rollover to a self-directed Fidelity IRA #3. Rollover in-kind to the DPSP #4. Cash Payment Option #5. Rollover to a different (non-Delta) qualified Retirement Plan #6. Life Insurance Annuity Let's Wrap This Up You have an opportunity to achieve full control of your DC Plan money in 2014, instead of waiting until you retire. You've been presented with six options. I expect you will receive further information before the election window. With so many choices, it can be confusing. This is why I am trying to help you sort it all out now. To further help you, if you are interested in what I believe is the best choice – a Rollover to a Professionally Managed IRA at Charles Schwab OR Fidelity – I’ve arranged an opportunity for you to talk through your personal situation with one of our qualified Registered Investment Advisors. Obviously, this is the trusted company that I am associated with as a professional advisor. As in the past, there are a limited number of these appointment slots available. To take advantage of this opportunity, your DC Plan should have a value of $25,000 or more. Let me be frank, these appointments have always gone fast. I’m tied up with projects and other responsibilities, but I’ve arranged for two qualified advisors to make some of their time available to listen to your situation and talk through your options, but there are still a limited number of slots available. If you are really interested, make this a priority. If this describes you, call Karen, my personal assistant, and she will find a phone appointment time slot that works with your schedule. You can reach Karen at (717) 569-8500. Just tell her you are calling to set up a One Step DC Plan Rollover consultation with an advisor. She'll take it from there. Kindest Regards, Dave Lucca

[email protected]


717-569-8162

Bull Bear Oscillator

Conservative Model

Aggressive Model

S&P 500 Index

Moderate Model

Bull Bear Oscillator vs. the S&P 500 Index

Worry-Free 401k Flight Path Models™ - Delta

Delta Pilots 401k Plan

As Of 5/30/2014

Performance Stats

YTD 1 Month 1 Year 2 Years 3 Years 5 Years 10 Years Inception

Conservative Model Annualized

3.46% 1.05% 4.87% 13.06% 6.26% 29.90% 47.81% 82.35%

6.33% 2.04% 5.37% 3.99% 3.97%

Moderate Model Annualized

5.58% 1.67% 8.79% 22.34% 12.46% 50.00% 91.94% 174.68%

10.61% 3.99% 8.45% 6.74% 6.77%

Aggressive Model Annualized

8.49% 2.50% 11.81% 28.69% 18.21% 67.08% 135.20% 291.16%

13.44% 5.74% 10.81% 8.93% 9.25%

4.07% 2.10% 17.96% 46.80% 43.00% 109.28% 71.64% 56.49% S&P 500

Annualized 21.16% 12.66% 15.92% 11.41% 2.95%

Welcome to the Table!!!

As Dave mentioned a few months back, we are taking this

opportunity to introduce all the new members of the

roundtable. We all bring different perspectives and

strengths and we believe that USPFA members will be

served well into the future by the addition of the new

members to the roundtable through new ideas and added

experience.

Last month Steve Anglin introduced himself and gave you a little insight and background about him. As

he mentioned, the format of the newsletter is changing slightly, but the important items remain the

same. We will continue to rank your retirement options with scores and recommended allocations based

on the underlying data, and performance data on the various models to keep you up to date on how the

investments are doing. We will also provide reports, charts and commentary to keep you informed.

I am excited to be at the table with you and take the responsibility very seriously. I look forward to writ-

ing about topics that you will find useful and timely. Additionally, we encourage you to let us know

about topics that are important to you so we can forward those comments or discussions on to the other

members.

As far as this month’s introduction, here goes.

I was born in west Texas in a small town right outside of Lubbock, but my first recollection of home was

in Durant, Oklahoma. I have lived in Dallas now for over 40 years with a short hiatus to go to college in

Waco. I have been married for just over 22 years to my wife Shara and we have 3 children. My oldest

son is about to be a senior in high school. My second son is 16 and just finishing his sophomore year of

high school and my youngest, a daughter, is 13 going on 30. Now that you know where all my time and

money goes…we can talk education.

My background studies were in finance and marketing. I then went back to night school, while I was al-

ready working, to get additional accounting hours. I have been in the industry for almost 25 years now

and am a certified financial planner, a certified public accountant, and hold a Group 1 life license, as well

as many FINRA securities licenses. Due to the countless number of continuing education hours I am

required to take each year, I have silently sworn to never add another professional license to my resume.

Page 5

[email protected]


717-569-8162

Apart from my responsibilities in the office, I spend my time running between sporting events, competi-

tive cheer competitions, and all the other activities that three teenagers and two dogs bring with them. I

am the director of a married adult Sunday school class at my church and my wife and I are very involved

with the youth for obvious reasons. Hunting, fishing, skiing and golfing are all activities I enjoy as much

as the schedule will permit.

My dad was a flight instructor at Southeastern Okla-

homa State University in Durant during my early

years and he always kept his CFI certification. So

after retiring from a lengthy career with a major U.S.

carrier, I asked him to teach me to fly. I had always

wanted to fly, but it was also a great reason to hang

out with my dad a few times a week as we worked

through getting my private license. I have since ob-

tained my instrument rating and enjoy flying for

business and pleasure as much as possible.

I have considered it truly a gift to work with so many clients and build so many relationships over the

years and I look forward to serving the members of the USPFA for the next decade or two, if not more.

Like many of you I’m sure, it always seems to be difficult to find the perfect balance between work life

and home life.

As a business owner, it is almost impossible to leave everything at the office.

As a husband and father, it often feels like a reprieve from a hectic schedule to be at the office.

The perfect balance is to remain committed and enjoy both, which I can happily say I do.

As an advisor, I get the opportunity to speak with clients on a daily basis. We work through issues like

finding the most tax efficient way to contribute to their qualified plans while they are working or funding

529 plans for a child’s education, to estate planning or filing final estate tax returns for loved ones who

have recently passed away. Obviously the issues change as we move through different stages of life, but

we are committed to help provide sound advice and in being a resource for you to use.

If you have any topics or questions that would be great newsletter material, remember to submit them so

we can expand the discussion or clarify any information. Email Karen at [email protected] and you

may see your topic in subsequent issues.

Warmest regards,

Chris Lott

Page 6

[email protected]


717-569-8162

THE ADVISOR NEWSLETTER is published twice per month by US PILOT FINANCIAL ASSOCIATION, INC., 1853 William Penn Way., Suite 19, Lancaster, PA 17601, Telephone (717) 569-8162. This

newsletter information is designed to provide general information on investing and retirement plans. It is sold with the understanding that neither the author nor publisher is engaged in rendering legal,

accounting or other professional services. If legal or other professional advice is warranted, the services of an appropriate professional should be sought. Also, this material cannot be an exhaustive and

complete presentation on investing or retirement plans, due to the restrictions on length, etc. While every effort has been made to make the information presented here as complete and accurate as possible,

it may contain errors, omissions or information that was accurate as of its publication, but subsequently has become outdated by marketplace or industry changes or conditions, new laws or regulations, or

other circumstances. Neither author nor publisher accepts any liability for responsibility to any person or entity with respect to any loss or damage alleged to have been caused, directly or indirectly, by the

information, ideas, opinions or other content in this newsletter. If you do not agree to these terms, you should cease using the information immediately and request a full refund. The subscriber must

evaluate information in THE ADVISOR NEWSLETTER in light of the subscriber’s own financial situation and goals. The Publisher is not an investment advisor. © Copyright 2000-2014, USPFA, INC, all

rights reserved. www.USPFA.org

Advertisement

To Pilots Who Want to

Retire Comfortably … Retiring with enough money to give you the

kind of lifestyle you want and deserve has a

simple formula:

(IWBT) + (CYM) + (SG) + (BIC) + (SL) = GR

IWT—Invest with Big Trend

CYM—Contributions You Make

SG—Steady Growth

BIC—Best Investment Choices

SL—Small Losses

GR—Great Retirement!

Steady growth, keeping your money in the best

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depend on actions. If you miss a move in the model

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June is Zombie Pilot

Referral Rewards Month at USPFA! You’ve seen them. Pilots doing the buy-and-hope, zombie-walk up the jetway, smart phone in hand, worried about their 401k, rocked emotionally by every market wave of selling.

Tends to distract them during bad markets, too.

Not a good thing.

Enough! Pilots don’t let pilots

invest like zombies!

Instead of spending money on advertising to grow, we’d rather reward YOU for rescuing zom-

bie pilot investors you refer to USPFA.

Here’s how it works: For every pilot you refer who becomes a member in June, we will give you

a free month of membership! Everyone wins!

Here’s what you should do: Every time you refer a friend, shoot an email with that person’s name to Karen at [email protected]. If they become a member, we will know to credit you with a FREE month of membership. Do it for the

pilots. Do it for yourself. Do it.

There is no limit on how many pi-

lots you can rescue and get credit

for. There is a seemingly endless

supply available. The zombies are

waiting. Go get them in June. It’s

open season now. Don’t miss this

opportunity to help others and

yourself at the same time!

EXPIRED? Renewals can be done at https://www.uspfa.org/login-page/ Log in using your EMAIL and old password, then go to Members tab.

Do not use the JOIN link to renew your membership.

To update new CREDIT CARD information BEFORE your membership

has expired; please call the office at 717-569-8162. To update a new EMAIL, send changes to: [email protected]

https://www.uspfa.org/login-page/

mailto:[email protected]

mailto:[email protected]

closes we have - uspfa · rrrrx dws rreef real estate securities fund 10.00% dixx ond index fund...

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