1.
Financial Freedom
In the midst of your busy life, it’s difficult to gain
a perspective that extends beyond a few weeks or
perhaps a few years. But if you’re proactive and
look ahead at the events of your life, you can create
a plan that will reflect your vision of today and
provide a pathway for your future. No matter what
your phase in life, your age, income or professional
status, people have a few common themes for
defining happiness: at the top of most lists are
freedom, security, peace, health and well-being.
Finances impact many of these defining qualities;
Freedom from worries about money. The security
of knowing you have the funds available to main-
tain your standard of living in your retirement.
Peace of mind that you, your family or business
are taken care of, under any circumstances. And
while health may seem to fall outside the financial
realm, finances are often a source of stress for
individuals, families, and business owners.
So how can you achieve
financial freedom?
Create Your Pathway
to a Better Future.

2.
We Begin by Listening
We will ask you questions about your life. Learn
your story: where you’ve been, where you are now
and where you want to be. We’ll inquire about
your extended family, and business, if you’re a
business owner, to determine how they fit into
your vision of the future. Together, we will compile
an inventory of both your assets and liabilities
by ownership. You’ll collect budget information.
All this information is used to project a unique
profile that enables us to produce a plan to meet
your specific needs.
Our financial analysis takes into account your
present situation—it’s a snapshot in time, perhaps
the first time you’ve seen such a clear image of
your finances. We may recommend specific steps
that could improve your present situation or
provide alternative strategies. Then we develop
a comprehensive plan. We may draw upon the
expertise of advisors in areas such as estate
planning, taxes, charitable giving, and employee
benefit and business continuity planning.
You can achieve your vision of financial
happiness, but it takes commitment
and a plan—one that draws on timely
expert advice. An experienced financial
advisor can help make the planning
process easy for you, by facilitating
your overall financial strategy. This may
involve some coordination with your
legal, tax and charitable giving advisors.
As each year progresses, your customized
plan will adjust to fit your changing
lifestyle. Our financial advisors will
help you navigate the complex mire of
taxes, investments, and retirement plans
to help you manage your wealth, pursue
your passions, and make a difference.
Move Ahead With Confidence.

3.
Listening/fact gathering
We ask pertinent questions to discern your goals
and objectives.
Financial Analysis
We give you a customized analysis of your
financial position.
Design of strategy
We make specific recommendations for ways to
help achieve your financial goals.
Implementation
We can help you ensure that your strategies are
carried out.
Review and Update
We may request a meeting with you to review your
financial situation and your changing circumstances.
It’s Your Plan
Once we have gathered all the necessary information
and thoroughly analyzed it, we’re ready to present
your plan. We begin by outlining your goals. Then
we present our recommended strategies—ones
that will have a significant impact on your ability
to carry out your goals for yourself, your family or
business. We will take the time to make sure you
understand what is recommended and why.
We never lose sight of the fact that
it’s your plan.
The Planning Process.

4.
Your plan should address six key areas. Each of these
are important and essential. By addressing each
area, your plan creates a comprehensive vision of
who you are and where you want to be.
• Your Financial Position: We determine
your assets and liabilities, your income and
expenses, so we have a clear picture of how you
manage cash flow and debt. This helps us under-
stand your current and projected net worth.
• Personal Risk Management: Insurance
is a means of transferring risk to protect yourself,
your family and your assets. We review your
life, disability, homeowners, auto, medical and
long-term disability insurance, identifying any
significant gaps in coverage.
• Investment Planning: Based upon your
personal goals, we look at your needs for savings
and accumulation. Is your investment strategy
designed to maximize your rate of return and still
manage risk? Is your investment strategy likely
to get you where you want to go?
• Tax Planning: There are a limited number
of ways to deal with taxes: deduction, deferral,
exemption, credits, income shifting, and finally,
simply pay them. We review your situation to
analyze the strategies you are currently using
and explore ways to manage your tax liabilities.
• Retirement Planning: Think of retirement
not so much as moving away from something,
but moving toward something. If you plan well,
retirement is a very positive step. Your goal is to
accumulate enough money to support a long and
active retirement. We analyze your current program
for accumulation and project how this will look in
the future.
• Estate Planning: The last element of your
plan is transferring your assets to others. There are
three possible directions for your assets: first to
your heirs, then to charities and finally to the IRS.
Assuming you would prefer to maximize distribu-
tions to the first two, we assess your exposure and
develop a plan for efficient and effective estate
planning, so that you are in control.
A Comprehensive Approach.
There are a few ways we can work with you. We offer fee and non-fee based
customized planning services, keeping your goals at the center of the plan.
Comprehensive fee-based plans are offered through VeraVest Investment
Advisors, Inc., an SEC registered investment advisor.
Personal Planning

5.
For many individuals, their business is their primary
personal asset. In addition to personal planning
areas, your comprehensive plan will address these
four key business areas.
• Business Continuation: You may spend
years building and investing in your business. You’ll
want a plan that reflects your desire to take care of
your family while determining the outcome of the
business should something happen to you. Do your
heirs have the desire and ability to continue to run
the business in your absence? Or, will the business
be sold, providing that your family and business
can continue to thrive? These are just a few of the
important questions we’ll ask and help you answer.
• Employee Benefits: It’s often said that a
company’s employees are its most important assets.
We’ll help you design a quality benefit package, one
that aligns with your employees’ desire for a well-
balanced life, health and personal benefits plan and
one that aligns with your business and financial
goals. You’ll have a plan in place to help you maintain
a strong workforce and positive employee morale.
• Key Executive Benefits: Key executives
are critical to the ongoing success of your business.
You depend on them to lead employees in the
strategic direction your business is going as well
as to implement important day-to-day operational
structures that will move your business forward.
We’ll help you craft a strong executive compensation
plan, one that will help you keep and attract
quality executives in order to grow your competitive
position in the marketplace. Key executive plans
may incorporate stock payouts, bonuses, additional
insurance, personal retirement planning and other
important benefits.
• Qualified Retirement Plans: Investing
dollars back into your business is just one way to
build a retirement nest egg. In addition, you have
the option of choosing a qualified pension plan
that will immediately reduce your taxes and will
provide diversification of your retirement plan.
Your advisor will recommend the appropriate plan
design and a qualified plan administrator to ensure
your plan adheres to government required ERISA
rules and regulations.
Planning for Business Owners

6.
Planning Solutions.
Developing a comprehensive life plan is a very important endeavor. You have a lot at
stake. Your circumstances are unique and require a thorough analysis of your needs.
Our experienced professional financial advisors are dedicated to helping you align your
plan with your stated goals. You’ll have the benefit of objective advice that considers
a wide array of premier services and product solutions.
Brokerage Solutions
Investment Management
Solutions
Insurance Solutions
Services for You
and Your Family
• Retirement Planning
• Estate Planning
• Tax Planning
• Investment Planning
• Educational Planning
• Asset Allocation
• Charitable Giving
• IRA’s-Roth
Services for You
and Your Business
• Business Continuation
• Key Executive Benefits
- Deferred Compensation
- Executive Bonus
• Qualified Retirement Plans
- Pension
- Profit Sharing
- 401 (k)
- SEP
• Employee Group Benefits
• Employee Educational
Seminars

7.
Life Over Time.
Our comprehensive approach looks at your life over time. Whether you are accumulating
assets for retirement, distributing assets during retirement, or planning a transfer of
wealth to heirs or charities, your dynamic plan will reflect what’s important to you.
Pre-Retirement
Accumulation
Estate
Transfer
Future Possibilities
Personal passions, prosperity, a legacy; Consistent
with your vision of future possibilities, your plan
will evolve to achieve your goals as you transition
through life.
Retirement
Distribution

8.
The Power of Time.
There is a right time for moving ahead with your life plan. That time is now. As
with most planning, the longer the plan has for implementation, the more powerful
and effective the results. The sooner you begin, the sooner you will be able to
experience the confidence that you have taken the necessary steps to help ensure
your financial freedom.
Remember where we began...
with a few basic ideas about defining happiness.
About the planning that is essential for achieving
the key elements of that happiness—freedom,
security, peace, health and well-being. Your financial
advisor is ready to meet with you. To share your
vision; to listen to your concerns; to shape your
options. To help you build a plan for your life
that makes your vision more than just a dream—
a day-to-day reality.