Rawdin-Baron Financial, Inc.

San Diego, California, August 12, 2011 –  Late last Friday Standard & Poors issued a historic downgrade of U.S. Debt from AAA to AA+. This unprecedented step has triggered immense debate and concern. It has also precipitated dramatic volatility in stock markets around the world.

We anticipate markets will continue to be volatile. Investor Sentiment is affected by the downgrade announcement and what we expect to be a series of downgrades to companies that rely on US Government support for their ratings.

Our attention is focused on these events and the current and future impact they may have on your portfolios.  Consistent with your investment objectives, we remain focused on protection of principal.

We continue to diligently monitor both fundamental and technical market indicators and remain prepared to make adjustments if deemed appropriate.

We are here for you to address questions you may have.

Please call us if you have additional questions or concerns.

Best regards,

Bruce Rawdin-Baron

Steve Pollock, MS, CFP®, EA

Securities through 1st Global Capital Corp., Member FINRA and SIPC. Bruce Rawdin-Baron and Steven W. Pollock are Registered Representative of 1st Global Capital Corp. Investment Advisory Services offered through Rawdin-Baron Financial, Inc. Rawdin-Baron Financial, Inc. and 1st Global are unaffiliated entities. We currently have individuals licensed to offer securities in the states of Arizona, California, Illinois, Indiana, Kansas, Massachusetts, Michigan, New York, Oregon, and Washington. This is not an offer to sell securities in any other state or jurisdiction. CA Department of Insurance License: Bruce Rawdin-Baron #0736631, Steven W. Pollock #OE98073.