ProVise Management Group, LLC, an SEC Registered Investment Advisor

PROVISE SPECIAL BULLETIN

(September 17, 2008)

Today’s news headlines are focused on financial markets in crisis. With the bail out of Fannie Mae and Freddie Mac and the struggles of Lehman Brothers, Merrill Lynch and AIG creating uncertainty in the market, you may have anxiety regarding your investments. You may even be considering disregarding the well-laid plan that we built.

No one knows how the market will ultimately respond, although further consolidation may be likely. However, history shows that the capital markets are creative and resilient. Although there is no guarantee that history will repeat itself, we believe that the historical record justifies confidence in the financial markets long-term.

Keep in mind that we created your investment plan considering your time horizon, your investment goals, and your risk tolerance. It is not possible to eliminate market fluctuation; however, fear-based reactions can make a temporary loss permanent. Long-term investment plans take into account that tough markets – even bear markets – are a fact of investing and are often a catalyst for new opportunities.

The past indicates that in the face of challenging times, prudent investors who stay the course may gain in the long run. The pattern of recoveries in the market and the danger of emotional decision-making point firmly to this significance - stay focused, remain patient, and maintain the investment decisions you made in the calm market.

If you want to discuss your investment plan, we are available to review your objectives. In the meantime, we encourage you to resist the impulse to allow short-term market turmoil to undermine long-term rational planning.

RAY, KIM, ERIC, BRUCE, and LOU

This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results.

9/17/08 ProVise Management Group, LLC

This material represents an assessment of the market and economic environment at a specific point in time.  Due to various factors, including changing market conditions, the contents may no longer be reflective of current opinions or positions.  It is not intended to be a forecast of future events, or a guarantee of future results.  Forward looking statements are subject to certain risks and uncertainties.  Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in these Bullets, will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio.  Moreover, you should not assume that any discussion or information contained in these Bullets serves as the receipt of, or as a substitute for, personalized investment advice from ProVise.  To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing.  Information is based on data gathered from what we believe are reliable sources.  The information contained herein is not guaranteed by Provise Management Group, LLC as to accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions.  The indices mentioned are unmanaged and cannot be directly invested into. .  If you do not want to receive the ProVise Bullets, please contact us at:  info@provise.com or call:  (727) 441-9022.  Please visit our Web Site at:  www.provise.com.

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