Palomar Financial Services YOUR BUSINESS. OUR SUPPORT

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1 YOUR BUSINESS. OUR SUPPORT

2 Today s Agenda True Independence Company Overview How We Help You Build Your Business Prospecting Marketing Support Products Services Compensation Taking the Next Step Insurance services, Securities and Advisory Services offered through Calton & Associates, Inc. Member FINRA and SIPC OSJ N Dale Mabry Hwy, Suite 215, Tampa FL (813) and Calton & Associates, Inc. are separate entities., Calton & Associates, Inc., and its Registered Representatives does not offer tax or legal advice. Individuals should consult their tax or legal advisors before making tax or legal-related investment decisions.

3 True Independence As an independent business owner you can: Build Equity: The client relationships you have and build belong to you. You are building a future for you and your family! Increase Your Income: You keep more of the revenue and more choice in developing business opportunities that make sense to you. Improved Customer Satisfaction: Flexibility to serve your clients based on their needs. Greater client loyalty and satisfaction. Focus on Your Niche: Pursue the business model best suited for you fee-based, commission, niche market. The freedom to run your business your way!

4 We provide training, marketing, transition expertise, and business management assistance to advisors to help you maximize your client relationships. Over 100 years of combined sales leadership experience In-depth life insurance, advisory and investment product knowledge and real life application Advisors: own your books, own your destinies Infrastructure provided so you can focus on your clients A large first step to total independence with a little help!

5 Palomar Leadership Paul Hamzey Former advisor and wholesaler Extensive knowledge of all aspects of life, health, long term care, and p&c insurance Distributed billions in annuity products Heavily involved in product design and implementation Expert ability to coach advisors with estate, charitable, retirement, and business planning and complicated underwriting Client-Centered Selling developer and coach Chris Radford o o o 27 years financial services experience as advisor and in management 15 years of bank channel sales management experience Experienced National Sales Manager in bank and independent channels o Recently CEO of $100 million independent broker-dealer and RIA o Developer of three advisor coaching programs designed to increase client trust and gain significant assets under management Laura Rosenbaum o o o Senior level financial services strategy, marketing and product professional Founder, Thought To Action, a marketing consulting firm helping financial service professionals and companies develop the best strategies for their brands Consultant and coach to financial advisors in bank and independent environments on marketing planning and executing successful marketing plans

6 Brand Attributes: Who is Palomar? Client- and advisorcentered Deep and long-term expertise Comfortable/Home Collective Full range of products and services Committed to advisors, present and future We do the right thing for you so you can do the right thing for your client. Resulting in increased client retention and increased client referrals. We ve been financial advisors AND have run companies - we can handle the strategic issues of running the biz. Which means that you can focus on your clients. We know that relationships are personal, with both advisors and clients, and want everyone to feel comfortable. So you can build long and trusting, multigenerational relationships. Like-minded network of advisors. The core stays constant as the business grows and adapts with the changing landscape. Giving you access and opportunity to grow with your clients. Advisors should have a full range of services so you can best serve your clients entire range of needs. We provide the training, marketing, transition expertise, and business management assistance you want so you can maximize your client relationships.

7 Compensation & Recognition Commissions Highly competitive base commission rates Annualized commissions available on many carriers and products Highly competitive broker-dealer payout Other Benefits Access to medical benefits for Supported Advisors Office and equipment provided with no housing charges Comprehensive technology platform Contract Options Choice of Supported Contract or Independent Contractor Advisor, as meets your individual needs Choice of practice models

8 PFS Value of Benefits and Housing Palomar Benefits On our Supported Grid receive corporate benefits so you can focus on your clients PFS provides health benefits counseling to help you choose the best plan for you. PFS gives you a monthly stipend to offset these costs. Infrastructure- PFS provides access to a technology suite that simplifies your work life. A state of the art CRM and document management system integrated with clearing firm technology. Office Space We understand you don t want to spend client time on these matters so PFS provides office space in your locale and everything you need to do what you do best.

9 Partnering for You To support Palomar financial advisors, we've partnered with IEP Financial. IEP Financial reflects Palomar values and offers a broker-dealer-and-registered Investment Advisor hybrid platform for hundreds of advisors who value their independence and want to provide clear, objective, unbiased advice, products, and services to their clients. With the support, infrastructure, and financial strength of a firm that has been around for over a quarter of a century, IEP is a nationwide firm that makes a strong commitment to innovation and independence, attracting financial advisor firms all over the country - those seeking a true growth partner. Members of the IEP management team have held executive positions at leading firms including ING Advisors Network, Financial Network Investment Corporation (FNIC), First Allied Securities and Wachovia Securities Financial Network: John Simmers Co-Chairman Scott Sherwood Co-Chairman Keith Gregg CEO Randy Cicatti President, IEP Advisors Dwayne Calton, CEO, Calton & Associates Ramu Singh - CFO IEP s experience, capability and dedication to our industry are the key reasons Palomar has selected IEP Financial to support you. Innovation for Growth Equity Participation Partners for Long-term Success

10 Supporting Your Business Palomar advisors have access to a full-service brokerdealer with wide range of mutual funds, variable life, variable annuities, investment advisory, direct investments and fixed income products and services. Fidelity-owned National Financial Services provides: Clearing services and Access to comprehensive technology platform: Streetscape Broker Dealer Workstation Registration options: Series 6 or Series 7 option Series 65 or Series 66 option Personalized support Reasonable fees: approximately $2,340 per year for E&O insurance. Technology and Compliance fees of $3,120 per year.

11 Advisor Technology Platform

12 Marketing Collaboration Our specialty at Palomar is encouraging advisors to develop the kind of deep relationships with their clients that build assets and lead to referrals. Working with you, we act as coach and support you to: Clarify your brand, your business objectives and your promise to your clients as Palomar or your own DBA Create the strategies that attract your ideal client Put in place efforts to build your clientele Execute the marketing programs for client retention and to generate referrals over the long-term

13 Investments Investment services Advisory platforms Wrap programs Fee-based planning Coaching to the Best Choices for Your Clients Business Services Qualified Plans Employee Benefits Insurance Advanced Planning support Business insurance Long term care Property & Casualty Legal and Tax Services Estate Planning Charitable Giving Trust Services Center of Influence programs with CPAs and attorneys Ancillary Services Real Estate Mortgages DPPs

14 Palomar Highlights We serve advisors from all channels: A growing organization Top-rated products and services Tools to help you grow your business Competitive compensation and recognition program A producer-dedicated culture True understanding of what it takes to make a successful transition to independence

15 OUR PROMISE TO YOU: EFFECTIVE SUPPORT FOR INDEPENDENT ADVISORS EVERYTHING YOU NEED TO TRANSITION TO INDEPENDENCE Paul Hamzey, Chris Radford, Managing Director Managing Director REV