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1 PRESENTED TO: Capabilities Presentation Scott J. Horowitz, CRPC, WMS Senior Vice President, Investments Wealth Management Specialist Shelly E. DeLucas Senior Registered Service Associate 3178 Kingsdale Center Columbus, Ohio Raymond James & Associates, Inc., member New York Stock Exchange/SIPC Raymond James is a registered trademark of Raymond James Financial, Inc. Material prepared by Raymond James for use by its advisors.

2 OBJECTIVES OF THIS PRESENTATION 1 Introduction Our Team Raymond James Our Planning Process Client Solutions Welcome On Board

3 Why Work with Horowitz Wealth Management? 2 OUR MISSION is to serve clients who understand the value of having a dedicated and trusted financial team to help them achieve their financial goals. To give clients our time, passion, and expertise so that they will improve the probability of achieving their financial goals, while freeing up their valuable time to do what they enjoy most. OUR APPROACH is to provide an unmatched client experience through a consultative, team-based approach that examines all aspects of their financial lives. We understand that every client is different and significant life events, such as retirement and wealth transfer are complex and require careful planning. OUR OBJECTIVE is to accomplish our mission by staying current and ahead of other financial advisors in terms of knowledge, communications, service and education. Our commitment to accountability and responsibility demonstrates the pride we take in serving our clients financial futures.

4 OVERVIEW: Commitment To Our Clients WE MAKE THESE COMMITMENTS TO OUR CLIENTS: 3 Protection of Privacy A Disciplined Investment Process Objective Recommendations Regular and Effective Communication

5 The Horowitz Wealth Management Group Our reward is your financial peace of mind. Horowitz, CRPC, WMS Senior Vice President, Investments Wealth Management Specialist Chartered Retirement Planning Counselor Business Development Manager 17 years of industry experience, including 3 years as branch manager Responsible for investment management and business development Bachelor of Science from The Ohio State University Enjoys golf, skiing and spending time with his wife and family Shelly E. DeLucas 4 Senior Registered Service Associate Series 7,66,9,10 and Insurance license 13 years industry experience Responsible for superior, personalized client service Bachelor of Arts from Muskingum University Loves sports and travel

6 OVERVIEW: The Raymond James Advantage Strength in partnership 5 The decision to hire a professional financial team should take into account the quality and professionalism of the firm that stands behind them. In choosing to do business with our team, you are also doing business with Raymond James. It is important that you understand how our team s relationship with Raymond James benefits you by providing us the tools and resources to execute our mission to serve clients to the best of our abilities.

7 OVERVIEW: The Raymond James Advantage THE FIRM HAS AN INDIVIDUAL CLIENT FOCUS Raymond James is a firm with its roots in the business of providing financial guidance and planning to individual investors and families. This remains the firm s primary business today. Raymond James has been a leader in the industry with client-focused decision-making since the company s founding in FULL RESOURCES OF A LARGE, MULTINATIONAL FINANCIAL SERVICES FIRM Raymond James is one of the largest financial services firms in the United States, with the scale and resources to support a wide array of products and services. With more than 10,000 associates worldwide and $496 billion in client assets*, the company s business includes investments brokerage, professional asset management, insurance solutions, trust services, investment banking, and private and commercial banking. A CULTURE OF INDEPENDENCE AND OBJECTIVITY As financial advisors, we are given flexibility and independence to serve our clients without a corporate push of proprietary products. We have access to one of the widest platforms of product choices and account types in our industry with access to over 300 mutual fund families, 51 money managers and 34 insurance carriers. 6 CONSISTENT LEADERSHIP AND INDEPENDENCE Chairman Tom James has fostered a culture of consistent leadership and independent thinking that enables firm employees and financial advisors to act in the best interests of clients and be innovative in our solutions to meet their needs. That leadership drove the firm to achieve 110 consecutive quarters of profitability as of June ** *As of 6/30/2015 **Past performance is not indicative of future results. The information provided is for informational purposes only and is not a solicitation to buy or sell Raymond James Financial stock.

8 Raymond James & Horowitz Wealth Management Advantage 7 CLIENT AND FAMILY Your Attorney Horowitz Wealth Management Your Tax Professional Raymond James Resources and Specialists Our Process Client Solutions Investment Process Our team utilizes the extensive resources of Raymond James to meet the needs of our clients. This approach allows us to provide a wide range of solutions by leveraging the expertise of Raymond James professionals, while collaborating with your existing legal and tax relationships.

9 Horowitz Wealth Management Process Overview 8 A customized financial plan serves as the how-to for working toward your goals. Our Understand process gives us an orderly way to identify relevant strategies for moving forward and fully addressing your needs. Here are the basic steps that outline the process we use for building your Manage Our Advisory Process Design financial plan. Each step involves interaction between our team, the client and outside professionals if needed. Implement

10 Defining The Horowitz Wealth Management Process 9 This process is a dynamic, team-based endeavor. To be most effective, it should include the client, relevant members of his or her family, our team, select Raymond James specialists, and outside professionals where appropriate. UNDERSTAND First, we ll build an understanding of your personal goals, current financial situation, investment experience and risk tolerance. We ll also make you aware of our capabilities and explain the services we offer that can help you meet your objectives. DESIGN Next, we will analyze what you ve shared with us in order to design your plan. This step may include collaborating with your other professional advisors such as your accountant and lawyer. We present our recommendations to you, answer your questions, consider alternatives and outline the steps we need to take to implement your plan. IMPLEMENT With your approval, we will execute your customized strategy using the extensive research and resources available to us through Raymond James. This involves the selection of specific account types, investment solutions and optional services, and the handling of all necessary paperwork. MANAGE Once implemented, we will continually monitor the progress of your plan relative to your defined objectives and suggest any changes where needed. We accomplish this by providing ongoing reporting of your account activity and by conducting periodic reviews. A key to this step is your involvement and communication of any significant changes in your life.

11 HOROWITZ WEALTH MANAGEMENT CLIENT SOLUTIONS 10 Our team focuses on the principles of financial planning. While our investment resources are extensive, our client process extends beyond the management of portfolios. It encompasses our clients lifetime financial needs. FINANCIAL PLANNING WEALTH MANAGEMENT SOLUTIONS EDUCATION PLANNING TRUST & ESTATE PLANNING SERVICES PLANNING FOR RETIREMENT 401K Rollovers Job Transition Income Solutions

12 HOROWITZ WEALTH MANAGEMENT SPECIALIZATION IN RETIREMENT PLANNING 11 INVESTING FOR RETIREMENT: BENEFITS FOR STARTING EARLY MANAGING RISK MANAGING LIFE CHANGES MAKING A PLAN NEARING RETIREMENT: PLANNING FOR SOCIAL SECURITY HEALTHCARE CONSIDERATIONS EVALUATING RETIREMENT INCOME LIVING IN RETIREMENT: WITHDRAWALS AND TAX IMPLICATIONS LEGACY PLANNING GIVING YOUR PLAN A CHECKUP

13 OUR APPROACH TO RETIREMENT INCOME PLANNING Framework to help you visualize how your income & assets work together to secure your retirement Determine your needs Establish other retirement List reliable sources Identify your assets and identify your wants goals of income available for retirement 12

14 Horowitz Wealth Management Client Solutions 13 Financial Planning Once we've helped you develop your unique, comprehensive retirement plan, we can take a broader look at your goals and create a plan that addresses your overall financial life. Wealth Management Solutions We believe that a good strategy is the result of a well-conceived plan, so we plan intelligently to help you preserve the wealth you've already built while pursuing opportunities for growth. Education Planning If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. Trust and Estate Planning Services By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial legacy that can be passed on for generations.

15 Welcome On Board: Horowitz Wealth Management 14 Our personalized client on-boarding process provides a strong foundation for establishing our long-term professional relationship. We invest the time to help ensure all bases are covered, all details are addressed and all parties are on the same page. BEGINNING OUR INVESTMENT PROCESS & WEALTH MANAGEMENT REGULAR PROGRESS RELATIONSHIP: SERVICE COMMTMENT: PLAN MEETING: MEETINGS: Signing of new account Discuss and set expectations, Review your personalized, Quarterly & Annual Reviews: paperwork and forms needed reaffirm commitment to your comprehensive financial plan; Review investments and financial plan; for transferring your accounts investment policy. Walk through reassess and reprioritize your assess progress and recommend followed by a series of services, including online access, goals if necessary. adjustments. communications introducing you statement and communications to us and Raymond James. preferences. Day 1 Within 45 days Within 90 days Ongoing

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