IMPORTANT DISCLOSURES

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2 IMPORTANT DISCLOSURES United Capital Financial Advisers, LLC ( United Capital ) provides financial life management and makes recommendations based on the specific needs and circumstances of each client. Investing involves risk and investors should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece to make decisions. The information contained in this presentation is intended for information only, is not a recommendation to buy or sell any securities, and should not be considered investment advice. Please contact your financial adviser with questions about your specific needs and circumstances. United Capital does not provide tax nor legal advice. Investors should consult their tax and/or legal professional with questions about their particular circumstances. Cassandra Humphreys is not a representative of United Capital. The presenters opinions are that of her own, and are not necessarily reflective of United Capital. United Capital and True North Advisors are separate and unrelated companies.

3 CASH FLOW Managing Income, Expenses, and Savings How much do you really spend? How much can you save? What you can do tomorrow: Make a budget Track your expenses for 3 months Adopt an expense tracker (Mint.com or Quicken)

4 SAVING Cash Management/Retirement Savings What Are You Saving For? Where To Save How Much Is Enough? Rules of Thumb What you can do tomorrow: Build an Emergency Fund Optimize your company retirement savings Take advantage of tax deferral

5 CUTTING EDGE STRATEGIES 529 College Savings Plan Stock Option Management Donor Advised Fund Legacy Planning Health Savings Account Maximization

6 INVESTMENTS Investment Products/Investment Vehicles Investment Advisors Investment Costs What you can do tomorrow: Get invested Choose a strategy Implement a plan you can stick with Prepare & Plan: Risk Tolerance Financial goals

7 CUTTING EDGE STRATEGIES 529 College Savings Plan Stock Option Management Donor Advised Fund Legacy Planning Health Savings Account Maximization

8 ESTATE & CHARITABLE Estate, Legacy & Charitable Planning What you can do tomorrow: Write personal instructions to Executor Write love letters to family and friends Open Donor Advised Fund Prepare & Plan Family Drama: Death, Disability, Divorce & Disagreements Life Phases: Newly Married, Kids, Empty Nester & Sabbatical

9 CUTTING EDGE STRATEGIES 529 College Savings Plan Stock Option Management Donor Advised Fund Legacy Planning Health Savings Account Maximization

10 RISK MANAGEMENT Rainy Day/Reserves/Opportunity Fund Disability, LTC, Life and Health Insurance Property & Casualty Insurance What you can do tomorrow: Coordination of EEB & privately held insurance Maximization of FSA (Medical & Dependent Care) and Health Savings Account accounts Umbrella Insurance Prepare & Plan: Sandwich Generation Career Management Professional & General Liability Exposure

11 CUTTING EDGE STRATEGIES 529 College Savings Plan Stock Option Management Donor Advised Fund Legacy Planning Health Savings Account Maximization

12 CASSANDRA A. HUMPHREYS, MS, CFP Cassandra is a CFP, CERTIFIED FINANCIAL PLANNER, and has a Masters in Financial Planning from Texas Tech University. She has worked in private wealth management since 2012 providing investment advice and financial planning to individuals and families.

13 TRUDY R. TURNER, CPA/PFS, CFP Trudy is a CFP, CERTIFIED FINANCIAL PLANNER, Certified Public Accountant and Personal Financial Specialist. She has a Bachelors in Finance from the University of Virginia and a Masters in Accounting from the University of North Texas. Prior to beginning her wealth management career in 2000, she worked as a tax consultant in public accounting and as a financial analyst in corporate finance & accounting.

14 QUESTIONS & ANSWERS

15 HOW TO CHOOSE A FINANCIAL PLANNER Why choose a CFP professional? CFP Certification Requirements Education Exam Experience Ethics Enforcement

16 WHAT TO EXPECT FROM A FINANCIAL PLANNER Integrity Objective Advice Competence Fair Treatment Privacy Professionalism Diligence

17 WHAT TO ASK A FINANCIAL PLANNER What experience do you have? What are your qualifications? What services do you offer? What is your approach to financial planning? What types of clients do you typically work with? Will you be the only person working with me? How will I pay for your services? How much do you typically charge? Could anyone besides me benefit from your recommendations? Have you ever been publicly disciplined for any unlawful or unethical actions in your professional career? Can I have it in writing?

18 RESOURCES CFP Board of Standards Website CFP.net Letsmakeaplan.org Consumer Guide to Financial Planning Consumer Guide to Financial Self-Defense Find a Financial Planner Search Options Financial Planning Association National Association of Personal Financial Advisors CFP Board of Standards

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