Herb White, CFP Denverʼs Strategic Retirement Planner

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1 MEDIA KIT CERTIFIED FINANCIAL PLANNER Ed Slottʼs Elite IRA Advisor Group SM Denverʼs Top Wealth Managers Award Coloradoʼs Best Wealth Managers Award 2013 NABCAB Premier Advisor Award Master of Business Administration (MBA) Chartered Life Underwriter (CLU ) Chartered Financial Consultant (ChFC ) Registered Financial Consultant (RFC ) Series 4, 7, 24, 63 and 65 Securities Licensed Life and Health Insurance Licensed 15+ Years of Experience 8400 E. Prentice Avenue, #715 Greenwood Village, CO (303)

2 INTRODUCING, President of Dear Media Representative: As the economic landscape evolves in the 21 st century, Denver residents are faced with new financial hurdles throughout their lives. The need for a trustworthy and credentialed resource to speak knowledgeably on the financial and retirement planning strategies required to succeed today has never been more important. Iʼd like to offer, founder and president of, as a resource for your consideration. White is a CERTIFIED FINANCIAL PLANNER with more than 15 years of experience in the financial services industry. He can help you provide a fresh perspective and straightforward advice pertaining to financial planning, retirement income planning, investment management, estate planning and more. He can also explain how recent financial events can impact consumer finances such as Market volatility and how to make risk-appropriate investment decisions in an improving yet unsteady economy. Changing demographics and the unique financial concerns faced by the Sandwich Generation, those who are paying for their childrenʼs college while supporting their elderly parents. Financial crises and budget deficits on the state and municipal levels, and how public bankruptcies across the country could affect residentsʼ retirement futures. Whiteʼs company,, is an independent financial and retirement planning firm dedicated to helping individuals achieve their financial goals for retirement. In addition to his CERTIFIED FINANCIAL PLANNER (CFP ) designation, he is a Chartered Life Underwriter (CLU ), Chartered Financial Consultant (ChFC ) and Registered Financial Consultant (RFC ). He is also a member of Ed Slottʼs Elite IRA Advisor Group SM. Enclosed are story ideas, Whiteʼs bio, areas of expertise and the companyʼs boilerplate for your review. Should you be interested in setting up an interview or if you require additional information, please contact me directly. Thank you for your time and consideration. I hope we can be of assistance in the near future. Kind regards, <<First Name Last Name>> <<Company Name>> <<Telephone Number>> << Address>>

3 MEDIA KIT STORY IDEAS, President of The following story ideas are examples of the popular financial topics that can assist you in developing into editorial content. Retirement Income Worries. Consumersʼ confidence in their ability to retire has climbed since the recession, yet more than a quarter of American workers have less than $1,000 saved for their golden years. How to catch up retirement savings and the keys to a successful retirement income plan. The Fed and Your Money. With a new Fed chair, the slowing of quantitative easing and strong market reactions from every Federal Reserve announcement, discerning the effect the Fed has on your investments and retirement future is complicated yet important. To Roth or Not to Roth. The Roth IRA has seen increasing popularity in recent years, but it might not be right for every investor. Three questions to ask yourself before making the conversion. BIOGRAPHY, President of is the founder and president of Greenwood Village-based. He is a well-known speaker and author in the Denver area with more than 15 years of experience in the financial services industry. Whiteʼs mission is to help individuals build and maintain their wealth and assist them in achieving their financial goals for the retirement years. White is passionate about his work throughout his life he has always been interested in learning as much as possible about money, especially how to grow and manage it. After entering the industry as a stockbroker, White decided to share his passion for finance in a way that could help the comprehensive financial situation of others, and became a financial planner. Ever since, he has been committed to helping his clients gain a thorough understanding of their finances so they can make confident decisions that help them achieve their long-term financial objectives. White places an emphasis on using prudent strategies and providing objective financial guidance in order to serve every clientʼs unique situation to the best of his abilities. White holds the prestigious CERTIFIED FINANCIAL PLANNER (CFP ) designation, one of the most respected credentials in the industry. It requires a rigorous course of study and examination, a demonstration of verifiable experience, an enforcement of ethical standards and a biennial recertification through continuing education. The stringent requirements of the CFP designation can be summarized with the 4 Eʼs: education, examination, experience and ethics. White employs the CFP Boardʼs Practice Standards as they relate to the six step financial planning process to ensure competent and ethical service for every person he serves.

4 He also holds the designations of Chartered Life Underwriter (CLU ), Chartered Financial Consultant (ChFC ) and Registered Financial Consultant (RFC ). These designations, covering curriculums including investment, tax, insurance, estate and financial planning, underline Whiteʼs strong commitment to continuing his education and increasing his knowledge to better serve Denver-area residents. White is a member of Ed Slottʼs Elite IRA Advisor Group SM, an exclusive and influential organization of financial professionals who are committed to the study and mastery of IRA planning. As a member, White has participated in numerous training workshops on individual retirement accounts and has been mentored by nationally acclaimed IRA expert, Ed Slott, CPA. White is also a member of the Financial Planning Association, the National Association of Insurance and Financial Advisors and the Million Dollar Round Table Top of the Table. White holds his Series 4, 7, 24, 63 and 65 securities licenses and is life and health insurance licensed. He earned his B. A. in Economics from Loretto Heights College and Master of Business Administration degree from University of Phoenix. White has been recognized as one of Denverʼs Top Wealth Managers by ColoradoBiz magazine, as one of Coloradoʼs Best Wealth Managers by 5280 Magazine, and received the 2013 Premier Advisor Award from the National Association of Board Certified Advisory Practices (NABCAP). He previously served as a member of the City of Arvada Retirement Planning Board, which oversaw the cityʼs $150 million retirement plan for city employees. A true expert in his field, White has been published or quoted in numerous industry publications, including Accounting Today, National Underwriter, American Banker, Advisor Today and Investment News. White lives in Arvada with his wife, Linda, daughter, Averie, and granddaughter, Miranda. He enjoys watching his daughter and granddaughter compete in dance and gymnastics, as well as with bike riding, music and gardening. AREAS OF EXPERTISE, President of The following areas are those in which can be called upon as an expert resource and may also be used for the development of future editorial content. Retirement Planning The five most critical factors you must consider when planning for retirement How increased longevity impacts retirement planning When to start saving for retirement and how much you need to save Understanding the difference between and benefits of various common retirement accounts When to consider opening an IRA in addition to your 401(k) What to do with your 401(k) if youʼve been laid off, forced to retire early or have changed jobs Common retirement account rollover mistakes and how to avoid them How to catch up your retirement savings, even if you started late Investment Planning Why and how to conduct a periodic portfolio review Simplifying the often overwhelming world of investment products

5 The impact of economic and political events on investments How to put together a balanced and focused portfolio The risks and benefits of stock options Understanding your risk profile and what that means for your portfolio When and how to make changes to your investment strategy The key to risk management during retirement Insurance Planning Understanding when to get life insurance and how much coverage you need Why and how to reassess your insurance needs periodically Options for affording LTC and advancements made in recent years How insurance products and riders can help supplement retirement income Tax Planning How to plan now for lower taxes in retirement Tax benefits to take advantage of when saving for retirement How to minimize tax liabilities in retirement Retirement Income Planning Five financial questions you should ask yourself before retiring How to maximize your Social Security benefits How to turn your retirement account into income for retirement How to maintain your pre-retirement standard of living during your golden years Understanding Required Minimum Distributions (RMDs) and how they impact your retirement income How to protect your retirement income from inflation How to protect yourself from outliving your life savings in retirement How to structure your income for retirement in a tax advantageous manner Estate Planning When to create an estate plan and what it should include Naming beneficiaries for your retirement accounts and the costly mistakes to avoid How to utilize an IRA as part of your estate plan and the tax benefits to your loved ones How frequently you should revisit your estate plan The key to making sure income needs are met for surviving family members Understanding the probate process and how to avoid it How to ensure the orderly transfer of property Planning for the care of minor children, disabled children and elderly parents ABOUT ED SLOTTʼS ELITE IRA ADVISOR GROUP SM The Top 1% of Financial Advisors in the Nation Ed Slott's Elite IRA Advisor Group SM is an exclusive national organization comprised of approximately 375 financial advisors who are dedicated to advanced training in individual retirement accounts (IRAs) and are leaders in the IRA industry. Created by Ed Slott, Americaʼs IRA Expert, in 2005 to address the retirement planning needs of the soon-to-retire boomer generation, the organization provides the highest level of training available in the area of retirement and IRA distribution planning from the nationally recognized IRA authority himself. The group is

6 proud to educate advisors who consider it a priority to invest in their education, maintain retirement accounts correctly and protect their clientsʼ wealth in a constantly shifting financial climate. Ed Slottʼs Elite IRA Advisor Group SM encompasses a diverse group of professionals, including financial advisors, CPAs, estate planning attorneys and insurance agents from all 50 states. Members of the group receive continuous training from Ed Slott, named The Best Source for IRA Advice by The Wall Street Journal, and are armed with current, cutting-edge information on Roth conversion planning, estate planning and current tax law. These high-caliber advisors represent an average of 20+ years in the business and over $50,000,000 in combined assets under management. To become a member of Ed Slott's Elite IRA Advisor Group SM, an advisor must perform prerequisite training and complete an in-depth background check. Once a member, advisors must attend at least one of two annual workshops as well pass semi-annual exams. The Elite IRA Advisor Workshops drill deep into tax code and present the most recent IRS rulings. Members are also immediately updated any time there are tax-law changes, and have access to a team of IRA Technical Consultants to discuss complicated cases. BOILERPLATE, President of is the founder and president of, a Greenwood Village-based independent financial and retirement planning firm dedicated to helping individuals achieve their financial goals for retirement. In addition to being a CERTIFIED FINANCIAL PLANNER with more than 15 years of experience in the financial services industry, White also holds the designations of Chartered Life Underwriter (CLU ), Chartered Financial Consultant (ChFC ) and Registered Financial Consultant (RFC ). White holds his Series 4, 7, 24, 63 and 65 securities licenses and is life and health insurance licensed. He is a member of Ed Slottʼs Elite IRA Advisor Group SM, the Financial Planning Association (FPA ) and the National Association of Insurance and Financial Advisors (NAIFA). For more information about and, please visit or call (303) Securities and Investment Advisory Services offered through Woodbury Financial Services, Inc. Member FINRA, SIPC and Registered Investment Advisor. and Woodbury Financial Services, Inc. are not affiliated entities. Neither Woodbury Financial Services, Inc., nor its registered representatives or employees, provide tax or legal advice. As with all matters of a tax or legal nature, you should consult with your tax or legal counsel for advice. ###