Cherry Client One On One New

2©2009 Cherry, Inc. ALL RIGHTS RESERVED.

An education and training firm providing clients with subscription-based, self-service

education and access to model trading portfolios via our proprietary platform,

CherrySelect™.

An SEC registered investment advisory firm

providing fee-based services for clients.

A portfolio management company providing and managing investment portfolios based upon a proprietary technology platform.

A Cherry company providing insurance products and solutions.

A company focused on developing innovative technology solutions, such as

the CherrySelect™ platform.

3©2009 Cherry, Inc. ALL RIGHTS RESERVED.

5©2009 Cherry, Inc. ALL RIGHTS RESERVED.

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9©2009 Cherry, Inc. ALL RIGHTS RESERVED.

• Financial Education• Active Money Management

1.CherrySelect™, Self-Directed Platform2.Cherry Investment Advisors

• Cherry Insurance Advisors

10©2009 Cherry, Inc. ALL RIGHTS RESERVED.

A. Build A Financial Foundation

B. Establish An Accumulation Plan

C. Understand Investment and Preservation Concepts

11©2009 Cherry, Inc. ALL RIGHTS RESERVED.

• Proper Asset Diversification (The Rule of 100)

• Appropriate Active Asset Allocation

12©2009 Cherry, Inc. ALL RIGHTS RESERVED.

13©2009 Cherry, Inc. ALL RIGHTS RESERVED.

14©2009 Cherry, Inc. ALL RIGHTS RESERVED.

15©2009 Cherry, Inc. ALL RIGHTS RESERVED.

We Believe… • OCF is a window into the lifeblood of a company• OCF is similar to YOUR income minus expenses • OCF is a better indicator than Earnings Per Share

(EPS), PE RatiosBecause…

• Earnings are easier to manipulate than cash flow• OCF shows a full picture of business activities • OCF identifies “cash burn”

16©2009 Cherry, Inc. ALL RIGHTS RESERVED.

• OCF Methodology• Lower risk, lower cost, enhanced performance • Customize your own portfolios

• Access CherrySelect Model Portfolios

• Cherry Pick value-oriented companies• Eliminate “Enron, Lehman, etc.” types

17©2009 Cherry, Inc. ALL RIGHTS RESERVED.

Investment Professional Support• Research Updates • Weekly Market Recap• Monthly Cherry INSIGHT

newsletter• Folio Investing

A client-focused broker/dealer

18©2009 Cherry, Inc. ALL RIGHTS RESERVED.

• An SEC Registered Investment Advisor

• Offering the services of Professional Money Managers

• Cherry Investment Advisors DOES NOT:

• Personally Manage or

• “Hold” Client Assets

19©2009 Cherry, Inc. ALL RIGHTS RESERVED.

$100,000 investment in 20 years = $649,420 more money!

Assets Annual Return

More Than $1 Million 10.8%

Less Than $1 Million 3.7%

20©2009 Cherry, Inc. ALL RIGHTS RESERVED.

Fully Invested

10.28%Fully Invested Miss 10 Best Days

10.28% 7.93%Fully Invested Miss 10 Best Days Miss 10 Worst Days

10.28% 7.93% 13.88%

• 20% Loss Requires 25% Gain

• 30% Loss Requires 43% Gain

• 40% Loss Requires 67% Gain

• 50% Loss Requires 100% Gain

21©2009 Cherry, Inc. ALL RIGHTS RESERVED.

Asset Appreciation Through: •OCF Stock Screening Process OR•Positive Market Participation

Asset Preservation Through: •Value-based Stock Selection OR•Defensive Asset Allocation

22©2009 Cherry, Inc. ALL RIGHTS RESERVED.

23©2009 Cherry, Inc. ALL RIGHTS RESERVED.

• Financial Education• Active Money Management

1.CherrySelect™, Self-Directed Platform2.Cherry Investment Advisors

• Cherry Insurance Advisors

24©2009 Cherry, Inc. ALL RIGHTS RESERVED.

• We Collect Basic Financial Information• We Evaluate That Information • We Provide Recommendations For Your Consideration