Financial Planning at Your Fingertips

Do you need help planning for your financial future? If so, be sure to visit the Planning & Advice section of Vanguard.com®. Vanguard’s website offers free, easy-to-use tools designed to make managing your finances easier.

The following are some of the valuable calculators and resources available. To access these tools, log on to your account, select the Planning & Advice tab, and then click More Tools.

How Much Should I Save for Retirement?
Use this worksheet to get an estimate of how much you’ll need to retire comfortably and how much you’ll need to save to reach that goal.

· Investor Questionnaire. If you are unsure which investment options to select
in your plan, complete a brief questionnaire and get specific fund advice
from Vanguard.

· Can I Afford to Retire? This worksheet will help you determine how much money you’ll need to retire at your current standard of living, what benefits you can expect to get from Social Security, and how long your savings will last.

· Saving More Can Make a Big Difference. Use this calculator to find the effect various pre-tax contribution rates will have on your paycheck, how your savings could grow if you increase your savings rate, and the amount you can save in federal taxes by investing in your plan.

· The Cost of Cashing Out of Your Plan. If you are leaving your employer, this calculator will illustrate the effect of penalties and taxes on a distribution. It will also show how your money can continue to grow if you roll it over to an individual retirement account or another eligible plan.

· How Inflation Affects Savings. This calculator allows you to enter information about yourself and find out how much your savings will be worth in your
retirement years.

Register for Vanguard.com Today!
The site is free and registration takes only a few moments:

1. Go to http://retirementplans.vanguard.com.
2. Click Register for Web access and follow the instructions provided.* *You will need your plan number (Christian Brothers Employee Retirement Savings 401(k) Plan-093260; Christian Brothers Retirement Savings 403(b) Plan-093264) when registering for online account access.

Questions?
Call Vanguard Participant Services at 1-800-523-1188 Monday through Friday from 7:30 a.m. to 8 p.m., Central time.

For more information about any fund, including investment objectives, risks, charges, and expenses, call The Vanguard Group at 1-800-523-1188 to obtain a prospectus. The prospectus contains this and other important information about the fund. Read and consider the prospectus information carefully before you invest. You can also download Vanguard fund prospectuses at www.vanguard.com.

Vanguard and Vanguard.com are trademarks of The Vanguard Group, Inc. All other marks are the exclusive property of their respective owners.

© 2005 The Vanguard Group, Inc. All rights reserved. Used with permission