Quarterly Recap
4th Quarter 2008

January 23, 2009

Happy New Year! We wish each of you a healthy and happy start to 2009 and hope you had a joyful holiday season.

Enclosed please find your Fourth Quarter 2008 performance reports. Between our increased correspondence and your Schwab statements, these performance reports likely come with little surprise. CCP is committed to strong communication with you; please be in touch whenever you need additional conversation.

It was an extraordinary fourth quarter and end of 2008, making history in the financial markets. While nearly every industry was affected, there's little doubt that we saw the most dramatic impact in the housing, financial and auto industries with unprecedented government intervention. Leverage and excessive debt that has been accumulating for decades is considered the root cause of the woes. In spite of the market's performance, the quick and extreme volatility (as witnessed in daily and weekly changes in various equity market indices) is one factor that really sets 2008 apart from other challenging times. One example: The S&P 500 Index moved more than 5% on 18 days in 2008; between 1956 and 2007, it moved that much on only 17 days total. Against that backdrop, we experienced the conclusion of a U.S. Presidential election that was also historic. You can view current asset class index returns on our website at www.ccpfps.com.

As you know, we don't believe that reliable predictions can be made for the market or economy. However, it does feel that our patience and stamina may be further tested in 2009. We firmly believe that our mutual commitment to diversification, discipline, and financial planning, including a focus on your short and long term needs and goals, can help us to weather the financial storm that hangs over us. We continually encourage each of you to review your goals, risk tolerance and resources with CCP either during your Annual Review meeting, phone conversations or emails. We always appreciate hearing from you when you have questions or concerns and welcome further discussions into the New Year.

During the first quarter, the CCP Investment Committee meets for its annual meetings to continue to review our processes, allocations, and investments. We will continue to keep you educated as we have observations or changes going forward.

Financial planning is more inclusive than just investment advice. For Illinois residents, we'd like to draw your attention to an Estate Planning note. Due to changes in both Federal and Illinois estate tax law, it is our understanding that in 2009 the Federal exemption is $3,500,000, but the Illinois exemption remains at $2,000,000. For married couples who have the possibility that the first spouse to die will have more than $2 million in his/her estate, an estate tax may be owed at the death of the first spouse. Please consult your Estate Planning attorney for discussion on your state's estate tax laws, a review of your estate planning documents and planning needs. If we can be of assistance, please let us know.

As a reminder, the tax filing deadline falls on Wednesday, April 15th, 2009. This date is also the deadline to make your 2008 contributions to various types of IRAs; please talk with your accountant to confirm eligibility and let us know if we can help you to facilitate. Although we discuss your savings with your Annual Review, the New Year is also a great time to revisit your goals and qualified plan (401k, 403b, etc.) contributions to ensure you are maximizing your deduction, where eligible.

Please stay safe during these winter months and know our door is always open; do not hesitate to contact our office if you would like further discussion at this time.

Best Regards,

CCP Inc. Advisory Team

Carol C. Pankros, CFP^®, MS            carol_pankros@ccpfps.com
Carin Pankros Roman CFP^®            carin_roman@ccpfps.com
Brenda Knox, CFP^®                          brenda_knox@ccpfps.com
Stacie Knotek Quigg, CFP^®              stacie_quigg@ccpfps.com

P.S. Remember, you can request a copy of our Form ADV, our registration with the SEC, or our Privacy Policy at any time. Just call the office at 847-303-1220.

Index*	3rd quarter 2008	Year-To-Date 2008	12 Months	3 Years
Short-Term U.S. Bonds	3.60	5.13	5.13	5.53
Intermediate-TermU.S. Bonds	7.23	5.06	5.06	5.46
Large Cap Growth	-20.24	-34.92	-34.92	-7.62
Large Cap Value	-22.18	-36.85	-36.85	-8.32
Small Cap Growth	-27.45	-38.54	-38.54	-9.32
Small Value	-24.89	-28.92	-28.92	-7.49
International Large	-19.95	-43.38	-43.38	-7.35
International Value	-19.81	-44.09	-44.09	-8.25
International Small	-22.15	-47.01	-47.01	-13.76
Inflation	-2.66	0.65	1.01	2.42

*Asset classes are represented by the following market indices: Short-Term U.S. Bonds = LB 1-5 Yr Govt/Credit; Intermediate-Term U.S. Bonds = Lehman Brothers Intermediate Govt/Credit Bond Index Range 5-10 Years; Large Cap Growth = S&P 500/Citigroup Growth; Large Cap Value = Russell 1000 Value; Small Cap Growth = Russell 2000 Growth; Small Cap Value = Russell 2000 Value; International Large = MSCI EAFE; International Value = MSCI EAFE Value; International Small = MSCI EAFE Small Cap (Price Index); Inflation = U.S. Consumer Price Index.