Welcome To The Ross Group of Raymond James & Associates

American Funds CollegeAmerica College Savings Plan

Highlights

Funds offered at Net Asset Value when purchased in a fee-based account or through an employer sponsored program. This is without the standard fund sales charge. Funds purchased in other accounts will incur a sales charge.

Fees and Expenses - $10 initial account fee. Thereafter an annual $10 account maintenance fee is charged by the plan. Additional fund management fees and expenses will depend on the Funds selected by the investor and are more fully descrived in each fund's prospectus.
Funds grow tax deferred when used to pay qualified higher education expenses¹.

Withdrawals for qualified higher education expenses - Free from federal tax¹.

Ability to save for anyone - Your child, grandchild, niece, nephew, friend, or yourself.

Control of Assets - You decide when to make withdrawals.

College America is available in all 50 states and the District of Columbia.

How do I get started?
Please fill out and print the New Account Application and read the prospectus along with the CollegeAmerica program description. The complete application should be mailed to the address below. Please contact The Ross Group with any questions.

Investors should consider the investment objectives, risks, charges and expenses of American Funds and the CollegeAmerica program carefullly before investing. The prospectuses and the CollegeAmerica program description contain this and other information about the funds and the 529 savings plan and are available from Brad Ross and Ross Cammarata and should be read carefully before investing.

¹If you withdraw earnings for non-qualified expenses the withdrawal will be subject to federal tax, and if applicable, state income tax and a 10% federal tax penalty. The account owner is responsible for determining whether a withdrawal is Non-Qualified, making the appropriate filings with the IRS and paying the 10% federal penalty tax on earnings.

Investments in CollegeAmerica Funds are not FDIC-insured, nor are they deposits of or guaranteed by a bank or other entity. You can lose money. For more information about College America or any of the American Funds, please obtain a College America program description and the applicable funds prospectus(s'). Be sure to read these materials carefully before you invest or send money. there may be state tax implications, so talk to your advisor

For residents of states other than Virginia. States other than Virginia take different approaches to offering state-biased benefits, such as state tax deductions, to residents investing in 529 plans. For example, some states offer residents no tax or other benefits for investing in a 529 plan, including an in-state plan. A few states offer tax benefits to residents investing in any 529 plan, including CollegeAmerica. A number of other states offer tax or other benefits to residents investing only in the in-state plan.

Any state tax or other benefit offered with respect to a particular 529 plan should be one of many appropriately weighted factors to be considered in making an investment decision. Please consult your financial, tax or other adviser to learn more about how state tax and other benefits (including limitations) apply to your circumstances. You may also wish to contact the 529 plan of your home state or any other state to learn more about the features, benefits and limitations of that 529 plan.