BILL GATES You ll travel through all sorts of terrain on your way to the future. Your ability to thrive in any financial environment

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1 What works.

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3 We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Don t let yourself be lulled into inaction. BILL GATES You ll travel through all sorts of terrain on your way to the future. Your ability to thrive in any financial environment you encounter is critical to your long-term success. Your life will change. Financial markets will change. You can t predict the future. You can prepare. The right financial advisor for your family can help you define and refine your personal financial goals to help you determine and stay true to what works for you. Following a realistic plan that accounts for your situation adds up to peace of mind. This means you can spend your time focusing on what s truly important to you and your family. Your family needs to trust somebody with your plan. We re Halter Ferguson Financial. We d love to be that somebody.

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5 Well, I think the biggest mistake is not learning the habits of saving properly early. Because saving is a habit. And then, trying to get rich quick. It s pretty easy to get well-to-do slowly. But it s not easy to get rich quick. WARREN BUFFET Why start saving early? If you save $2,500 a month at age 35, you ll be able to take out $6,673 a month at age 65 and still have a nest egg over $2 million. Start at age 45, and those numbers are about half as big.* There s a reason get-rich-quick schemes are called schemes. It s because they don t work. What does work? It s simple, really: Save your money. Invest it wisely. Diversify so you can be in touch with the times. Adjust to the changing world around you. But investing involves risk. How do you know what s acceptable and what s not? How do you get your money to work its hardest for you without compromising the security you want for your family s future? You find financial advisors you trust: independent, experienced investment managers who know you and your goals. At Halter Ferguson Financial, we know how to adapt your goals to changing financial environments. We ve managed accounts through the tech bubble and the mortgage crisis, bull and bear markets. We re ever vigilant for the next big financial challenge and the next big opportunity. Meet the staff of Halter Ferguson Financial (left to right): Kelly Englert, client services and compliance assistant; Bradford S. Ferguson, CFA, professional investment management; Sunjay Goel, CFA, MBA, professional investment management; Scott K. Ferguson, CFP, professional investment management; Tiffany C. White, CFP, personalized financial planning; Cris S. Halter, CPA, CFP, personalized financial planning. *Assumes a 5% rate of return until age 65, a 4% rate of return after age 65, and a 4% withdrawal rate. All returns are compounded monthly. For illustration purposes only; not a guarantee of returns.

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7 You can t predict. You can prepare. HOWARD MARKS Halter Ferguson Financial is an Indianapolis-based firm advising families who trust us to manage their financial future and help them realize their dreams. Our investment professionals have decades of combined industry experience and our team-based approach assures you ll get the benefit of all of it. No one has a crystal ball. The top investors are not psychics. So how should you choose a financial advisor? You re not asking for much. You want advisors who are experienced professionals. Who are technically competent and rigorous in their analysis. Beholden to no one but you. That s what you ll find at Halter Ferguson Financial. We re one of the few financial firms in Central Indiana with Certified Financial Planners (CFPs ), Chartered Financial Analysts (CFAs), and a Certified Public Accountant (CPA) on staff. More important, we take the time to get to know you and your specific needs. We handpick your investments, always considering growth and risk for the long term. We work to keep your portfolio balanced to protect you from the randomness of the world we live in. We re not for everyone. We don t want to be. But if you re looking for a deeply engaged, independent financial advisor for your family, we may be for you.

8 INDEPENDENT-EXPERIENCED-THOUGHTFUL Advising families since Woodland Drive, Suite 150, Indianapolis, IN Phone: (317) Toll Free: (866) Fax: (317)