Ea s t m a n. planning. that stands the. Retirement. test of Time. Fin a n c i a l Ma n a g e m e n t

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1 Ea s t m a n Fin a n c i a l Ma n a g e m e n t

2 About Us Joel Lorden About Joel lorden Joel E. Lorden is founder and President of Eastman Financial Management, an independent financial, investment management and retirement plan consulting firm serving individuals and small businesses. Joel is a Ce r t i f i e d Fi n a n c i a l Pl a n n e r, Chartered Plans Specialist, and Investment Advisor representative. Joel s independence ensures his guidance and advice is objective and free from the conflicts of interest inherent with many financial firms. Clients receive the personal attention to detail of a small boutique firm along with the resources and support of one of the top independent Registered Investment Advisors, Cetera Advisors LLC, having with one of the largest networks of independent financial advisors in the U.S. Having earned the both the coveted Ce r t i f i e d Fi n a n c i a l Pl a n n e r and Chartered Plans Specialist designations, you can have confidence in Joel s knowledge, experience, and ethics. Joel is also an Investment Advisor representative having the fiduciary duty and integrity to always hold client s best interests first and foremost After graduating Cum Laude from the University of New Hampshire with degrees in Civil Engineering and Economics, Joel began his career as an environmental engineer with Phillips Petroleum Company. While at Phillips Petroleum, Joel earned his MBA degree with an emphasis in finance from the University of Houston. Over the course of a distinguished 20 year career awith Phillips, Joel worked in such diverse areas as economic analysis, capital budgeting, employee education and managing a pipeline subsidiary. test of Time In educating employees about their retirement plan benefits, Joel discovered his true interest was in helping individuals and small businesses achieve their financial goals. In 1998, Joel left Phillips to become a Financial Planner with AXA Advisors LLC. In the time he spent at AXA Advisors, Joel earned his Certificate of Financial Planning from Oglethorpe University, followed by his Ce r t i f i e d Fi n a n c i a l Pl a n n e r designation, the most distinguished credential in the field of financial. Recognizing that only an independent firm can be truly impartial and free from conflicts of interest, Joel founded Eastman Financial Management in April, To fulfill a need by small businesses for cost effective retirement plan design and management, Joel has also obtained the Chartered Plans Specialist designation. His mission is to provide the highest quality and most objective retirement plan solutions, financial and retirement strategies, and investment management services. Joel is a member of the Dunwoody Chamber of Commerce and the Financial Planning Association. He has lived in Dunwoody, GA for over twenty years, and is married with identical twin daughters. Joel and his family enjoy gardening, sports, spending time with afriends, and visiting family in New England and The Netherlands Olde Village Lane Dunwoody, GA Tel Fax Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC. Joel E. Lorden, CFP, CRPS is an Investment Advisor Representative and Registered Representative of Cetera Advisors LLC. Eastman Financial Management is not affiliated with Cetera Advisors LLC.

3 About Us About Eastman Financial Management Eastman Financial Management is a retirement plan consulting and financial services firm dedicated to serving individual and small business clients of all sizes. Our firm was founded to provide thoughtful and objective investment management, financial and retirement plans designed to stand the test of time. The firm s founder, Joel E. Lorden, is a Ce r t i f i e d Fi n a n c i a l Pl a n n e r, Chartered Plans Specialist, and Investment Advisor representative of Cetera Advisors LLC. Cetera Advisors LLC is a broker-dealer and part of one of the largest networks of independent financial professionals in the U.S., the Cetera Financial Group. Joel E. Lorden works closely with Cetera Advisors LLC and the firm s other strategic partners to provide each client a customized solution to their financial, investment management, and/or retirement plan needs. Eastman Financial Management was built on the principles of: Client-focus and objectivity A fiduciary duty to serve the best interests of each client* Commitment to excellence, and Prudent & disciplined financial & investment management processes. Our goal is to provide clients the knowledge, wisdom, and guidance to help them attain their financial goals. Our client-focused and fee-based philosophy helps ensure the advice and analysis we provide our clients is objective, unbiased, and free from the conflicts of interest inherent in so many other financial firms. At Eastman Financial Management, the best interests of each client really do come first Olde Village Lane Dunwoody, GA Tel Fax Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC. Joel E. Lorden, CFP, CRPS is an Investment Advisor Representative and Registered Representative of Cetera Advisors LLC. Eastman Financial Management is not affiliated with Cetera Advisors LLC.

4 About Our Partners Our strategic partners play an important role in our success, and more importantly, in the success of the clients we serve. Our strategic partners provide a range of consulting, peer review, oversight, and administrative services designed to help us help our clients achieve their financial goals with financial plans, retirement plans and investment management that will stand the test of time. About Financial Assets, Inc. Financial Assets, Inc. is an independent, fee-based Registered Investment Advisor, and Joel E. Lorden, CFP, CRPS serves as an Investment Advisor Representative of Financial Assets, Inc. Mr. Frank K. Hoerner, CFP and Ms. Kristin Pinyan, CFP, Principles of Financial Assets, Inc., serve as Office of Supervisory Jurisdiction for Joel E. Lorden, CFP, CRPS. In this capacity, Mr. Hoerner and Ms. Pinyan provide peer review of financial and retirement plans developed for the clients of Eastman Financial Management. They also serve as independent consultants and provide regulatory compliance oversight. The firm was founded by Frank K. Hoerner, CFP in 1984 as a consulting corporation working primarily with closely held corporations. His background includes over 30 years experience in investment management and financial. Kristin Pinyan, CFP joined Financial Assets in Her primary focus is designing financial plans and retirement plans for clients. We work closely with Mr. Hoerner and Ms. Pinyan to help attain the financial goals of our clients. About Cetera financial group Cetera Financial Group is one of the nation s largest independent broker-dealer and Registered Investment Advisor families serving high net worth and small business clients. The Cetera Financial Group broker-dealers serve over 6,500 independent financial professionals and 600 financial institutions nationwide. Joel E. Lorden, CFP, CRPS is a Registered Representative and Investment Advisor Representative of Cetera Advisors LLC, a member of the Cetera Financial Group. We chose to work with Cetera Advisors LLC as our broker-dealer for a number of reasons. As an independent broker-dealer and Registered Investment Advisor firm, Cetera Advisors LLC does not have any proprietary products or sales quotas. They are not affiliated with any investment bank, and do not engage in any proprietary trading. This independence means we are free to recommend the financial solutions and products that best meet our clients needs, ensuring the clients best interests are what drives all decisions. About Pershing LLC & Cetera Investment Services LLC Cetera Advisors LLC works closely with two custodians, Pershing LLC and Cetera Investment Services LLC, an affiliate of the Cetera Financial Group. These custodians safeguard client assets and provide related administrative services for clients, including trade settlement, tax and account recordkeeping, monthly statements, confidentiality and data integrity and protection. Pershing is a subsidiary of the Bank of New York Mellon, the nation s oldest continuously operating bank and one of the world s leading providers of securities services. Located in 23 offices worldwide, Pershing and its affiliates serve over 1500 institutional financial organizations and independent Registered Investment Advisor firms.

5 About Us Plan Stewardship As an employer offering a retirement plan benefit to your employees, you are making an important and generous contribution to their financial security. While a company retirement plan is one of the best benefits you can offer to attract and retain a quality workforce, it also carries a serious fiduciary duty that requires effective plan governance. Eastman Financial Management acts as your retirement plan partner with services designed to ensure your plan is structured to maximize the potential benefits for the employer and plan participants, and will stand the test of time. We can help you lower your plan fees, improve plan investments, and fulfill your fiduciary duty to minimize potential liability. Just as important, we can help your employees achieve their retirement savings and income goals. We work with your 401k provider to develop a participant education and communications program customized for each employee, tailored to their particular financial situation, risk tolerance, investment goals and retirement time horizon. As a Chartered Plans Specialist TM, Ce r t i f i e d Fi n a n c i a l Pl a n n e r TM, and Investment Advisor representative, your 401k advisor with Eastman Financial Management has the integrity, ethics and fiduciary duty to work in your best interests. Our retirement plan services include: Plan Type & Design Whether you are considering adding a new retirement plan, or improving an existing plan, we can help you design the most cost effective and advantageous plan for your specific needs. The types of retirement plans we work with include: Traditional 401(k) Plan Safe Harbor 401(k) Plan SIMPLE or SEP IRAs Defined Benefit Plan SIMPLE 401(k) Plans Individual 401(k) Plans Profit Sharing Plan Cash Balance Plan Non-Qualified Executive Benefit Plans The design of your retirement plan can help you realize the highest tax-deductible retirement plan contributions allowable, and help both owners and employees build their retirement nest egg. Effective plan design can also help owners reward senior and highly compensated employees with greater profit sharing allocations under ERISA s permitted disparity rules. Supplemental, non-qualified executive benefit plans are also available to reward select key employees. At Eastman Financial Management, we can help design the best qualified and/or non-qualified plans for your specific needs Olde Village Lane Dunwoody, GA Tel Fax Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC. Joel E. Lorden, CFP, CRPS is an Investment Advisor Representative and Registered Representative of Cetera Advisors LLC. Eastman Financial Management is not affiliated with Cetera Advisors LLC.

6 Plan Stewardship Once the most suitable plan design has been determined, Eastman Financial Management will undertake a prudent Request for Proposal process by obtaining and evaluating proposals from a number of highly rated retirement plan providers and third-party administrators. We will conduct the requisite fee and investment analysis along with an objective assessment of each plan s suitability for your particular needs. Our independence allows us to make recommendations based solely on the interests of our clients. We have no proprietary plans to sell. Instead, we work with the top retirement plan providers in the industry to help you find the best plan for your company and employees. Periodic investment review and fee benchmarking are critical components of effective plan stewardship and key to helping you and your employees better meet your long-term retirement goals. Eastman Financial Management employs a prudent investment evaluation process, based on our experience and knowledge, to help you develop an Investment Policy Statement (IPS). We will help the plan s investment fiduciaries select and monitor investments in accordance with ERISA s Prudent Man rule and your IPS. Plan sponsors also have a fiduciary duty to understand their plan s cost structure, and ensure your plan s costs, both direct and indirect, are reasonable for the services provided. We will periodically benchmark your plan s fees and expenses to help ensure they remain reasonable over time, and help you satisfy ERISA s fee disclosure requirements. Ultimately, the success of your retirement plan benefit will be measured by its ability to positively impact the retirement readiness of participants. While managing participant investment costs and providing highly rated investment options are important, providing sound education and communications are equally important. Whether your plan has 10 or 100 employees, Eastman Financial Management will work with your 401k provider to develop a customized education and communications program. Our philosophy is a that participant education works best when tailored for the individual participant. Through periodic group education meetings and one-on-one meetings with individual participants, we will inform and educate employees on plan provisions and help guide them through the process of creating an appropriate investment and retirement income strategy based on their individual needs, risk tolerance, and retirement time horizon. ERISA COMPLIANCE Effective plan governance also means helping plan fiduciaries comply with the Employee Income Security Act, otherwise known as ERISA. This is an ongoing process that includes periodic review of your plan documents to help ensure all plan provisions are being followed. It also includes periodic fee benchmarking and investment performance reviews, and documenting a prudent process was followed for plan level decisions. We can also help you take advantage of the liability safe harbor offered by ERISA by helping you adhere to the requirements of Section 404(c).

7 About Us Personal Financial Planning Effective financial is much more than savings and investments. It requires developing a strategy based on a careful assessment of future needs and goals that will weather changing economic conditions, volatile markets, and stand the test of time Because everyone has a unique combination of financial circumstances and goals, it is important to have a plan that works for you and your financial situation. At Eastman Financial Management we take the time to listen and understand your financial goals and concerns. Only after gaining a firm understanding will we begin working on a financial plan designed to meet your goals and alleviate your concerns. From for retirement, to saving for your children s education, from managing your financial risks to the distribution of wealth after death, it is easy to feel overwhelmed or confused. Working together with Eastman Financial Management, we will help you set realistic goals, and guide you through the often complex maze of possibilities and decisions. We will monitor your progress over time to help ensure you stay on track in the pursuit of your goals. Our financial services include fully integrated plans encompassing all areas of financial, or plans that focus on one or more specific goals, such as: PlanNING Design a retirement savings plan to help you accumulate a retirement nest egg capable of providing your desired retirement income. Integrate your company pension plan and/or 401(k), traditional and/or Roth IRAs, annuities,, and other retirement savings into a single, comprehensive strategy designed to help attain your retirement goals, Develop an income strategy for your desired retirement lifestyle. A retirement income strategy can reduce, or possibly eliminate longevity risk, or the risk you (or your spouse) outlive your retirement savings, and keep pace with inflation. Social Security optimization strategies designed to obtain the greatest retirement benefit possible, Pension maximization strategies, IRA rollovers and/or re-characterizations, and distribution to maximize tax efficiency Olde Village Lane Dunwoody, GA Tel Fax Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC. Joel E. Lorden, CFP, CRPS is an Investment Advisor Representative and Registered Representative of Cetera Advisors LLC. Eastman Financial Management is not affiliated with Cetera Advisors LLC.

8 Personal Financial Planning Investment Planning Develop an personal Investment Policy Statement that articulates your investment goals, risk tolerance and time horizon, and establishes the criteria for investment selection and monitoring, Determine your optimal asset allocation based on the principles of Nobel Prize winning Modern Portfolio Theory. Your asset allocation will be based on your unique combination of risk tolerance, investment goals and time horizon, In addition to Asset Allocation, we will develop an Asset Location strategy to ensure you have the right types of investments for each type of account (taxable, tax-deferred, or tax-free) to maximize your tax efficiency, Open architecture, fee-based asset management programs providing access to best-in-class asset managers and institutional pricing, with no mutual fund sales charges or broker commissions, ETF and mutual fund wrap programs managed by top ranked asset managers such as Wilshire Associates, UBS, and others. Access to alternative investments including Business Development Corporations, non-traded Real Estate Investment Trusts, Oil & Gas Master Limited Partnerships, etc. College savings plans including Section 529 plans, Coverdell IRAs, UTMA/UGMA accounts. Business Owner Planning Obtain the highest tax-deductible retirement plan contributions while building your retirement savings, and the retirement savings of your employees. We ll help you determine the best type of retirement plan(401k, SEP, SIMPLE, Cash Balance, etc.) for your retirement goals, Reward senior and highly compensated employees with higher profit sharing allocations using the ERISA permitted disparity rules, including New Comparability 401k/Profit Sharing plans, Individual 401k plans and/or 412i defined benefit plans for the self employed professional or independent contractor with no common law employees, Reward and retain key employees with a supplemental non-qualified executive benefit plan such as Section 162 Bonus Plans, Supplemental Executive Benefit Plans (SERPs), etc. Prepare for the eventual succession of your business with business succession and continuation plans utilizing buy-sell agreements and key person insurance.

9 Ea s t m a n Fin a n c i a l Ma n a g e m e n t 4732 Olde Village Lane Dunwoody, GA

G. Robert King II, CFP, CLTC

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