From the combination of the company s contribution, your contribution, and intelligent investments on your part, you will be able to effectively ensure your retirement. We believe we are on the brink of having companies across the United States giving the same speech to their employees, only replacing the words retirement with health benefit. All sizes of employers are being compelled to either swallow double-digit rate increases in the cost of health benefits for their employees or are not offering a health benefit at all. Clearly, in today s work force some form of health benefit is a requirement to attract and retain talented, capable employees at all levels of the corporate structure from assembly line workers, to meat packers, to account executives, to the executive office, everyone needs health care and someone to pay for it. People in each of these categories typically have few options other than individual coverage, which can be quite expensive and quite limited.
Additional information is available upon request.
This information is not intended to be used as the primary basis of investment decisions. Because of individual client requirements, it should not be construed as advice designed to meet the particular investment needs of any investor. It is not a representation by us or an offer or the solicitation of an offer to sell or buy any security. Further, a security described in this publication may not be eligible for solicitation in the states in which the client resides. U.S. Bancorp Piper Jaffray individual officers, employees, or members of their families may own the securities mentioned and may purchase or sell those securities in the open market or otherwise.