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January 2008 Letter

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Centennial Planning

Office: (989) 686-4240

Fax: (866) 988-2323

2500 Midland Road

Bay City, MI 48706

edb@centennialplanning.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Centennial Planning is a DBA for The Advisory Group of Michigan, Inc. ("AGM") which is an investment advisor. Centennial Planning does not give advice nor is it registered with the SEC. All planning and investment advice is rendered through The Advisory Group of Michigan, Inc. Centennial Planning is registered with the State of Michigan as an independent RIA.

Registered Representative of and securities products offered through Fortune Financial Services, Inc., 3582 Brodhead Rd, Suite 202, Monaca, PA 15061, Member FINRA/SIPC. The Advisory Group of Michigan, Inc. doing business in the name of Centennial Planning is a separate entity from Fortune Financial Services, Inc.