Disclosure

The Farrell-Northstar Retirement Income Index is a list of fixed income and equity securities.  The FNRI Index is for informational and educational purposes only.  Investors cannot invest in an index and the FNRI Index does not represent an actual security or portfolio. Equity statistics are estimates and were obtained from Ford Equity Research for each individual equity holding in the FNRI Index. Historical dividend payments on the S&P 500 were obtained from Standard & Poor’s.  Statistics for the master limited partnerships and energy trusts are excluded from the PE calculation as those securities have different financial structures that need to be analyzed under different valuation metrics.  Past performance is no guarantee of future returns.  FNRI Index returns have been certified by Standard & Poor's. Consult your individual financial advisor prior to making any financial decisions. Investing involves multiple risks, including but not limited to the permanent loss of capital.

For a copy of Northstar's Form ADV, Part 2 click here.