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Company

LOGO

HARD ASSETS

Bridge to Your Financial Future

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Company

LOGO

Douglas Buser MBA, CFP, CA RE Broker

Bridge to Your Financial Future

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Disclaimer

CONSUMER INFORMATION Advice given in this presentation is for educational purposes only and participants should be aware that a financial planning engagement has not been established. Complete data has not been gathered and all alternatives have not been considered. Past Performance does not guarantee future results. Investment returns and the value of any fund and/or investment will fluctuate, and investors may have a gain or loss when they sell shares.

REGISTERED INVESTMENT ADVISOR Golden Gate Advisors, Inc. is a Registered Investment Advisor.

(1) A broker-dealer, investment advisor, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment adviser, BD agent or IA rep requirements, as the case may be; and(2) Follow-up, individualized responses to consumers in a particular state by broker-dealer, investment advisor, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment advisor, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.(3) for information concerning the licensure status or disciplinary history of a broker-dealer, investment advisor, BD agent or IA rep, a consumer should contact his or her state securities law administrator. [Stated pursuant to Commissioner's Release No. 100-C (November 5, 1996) under Section 25610 of the State of California Corporations Code] SEC Form ADV Part II or equivalent is provided periodically to existing clients and all new clients. For prospects it is available upon request. Please call (510) 466-6330.

REAL ESTATE BROKERS LICENSE Golden Gate Advisors, Inc. is a licensed State of California Real Estate Broker. License number #01239728.

Call the Department of Real Estate at (916) 227-0931 with any questions. CERTIFIED FINANCIAL PLANNER™

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and  the CFP Logo which it awards to individuals who successfully complete initial and ongoing certification requirements. CFP Board. 1700 Broadway, Suite 2100 Denver, Colorado 80290-2101

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What are the Investment Choices?

Bonds (Debt)Bonds (Debt) Other Other

Stocks (Equity)Stocks (Equity) Hard Assets Hard Assets

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SOLUTIONS

Creative Solutions

Equity

Debt

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Last Five Years….

Single Women HoH, with or without children, saw incomes fall by 7% (-$2,300)

Under Age 25 Income Decline of 9.6%.Black HoH Income down 10.9% (-$4,000)Hispanic HoH Income Fell 4.5% ($2,300)High-School Diploma or Less Fell 8%.Unemployment: 7.4% Nationally but…

Blacks (12.6%),Hispanics (9.4%) Less than HS Diploma (11%), Teens (23.7%) Sentier Research

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Prior 27 Years Census Data from 1981 to 2008

1981 to 2008 Biggest income gains were for black women, 81%; followed by white women, 67%; followed by black men, 31%; and white males at 8%.

In other words, the gender and racial income gaps shrank by more than in any period in American history during the Reagan boom of the 1980s and the Clinton boom of the 1990s. Women and blacks continued to make economic progress during the mini-Bush expansion from 2002-07. “Income inequality” has been exacerbated during the Obama era.

Sentier Research “Household Income on the Fourth Anniversary of the Economic Recovery: June 2009 to June 2013."

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Client Concerns

9 out of 10 say they will need to support themselves in retirement.

6 out of 10 report that their 401(k) is their only source of retirement income other than Social Security.

55% increased their 401(k) contributions in the past two years and most (70%) say their 401(k) is in better shape now than ever before.

74% believe their 401(k) has recovered from the financial crisis as fast as they had expected, or even faster.

More than half (52%) say their 401(k) is more complicated to understand than their health insurance benefits

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Your Client Concerns

57% wish there was an easier way to figure out how to choose the right 401(k) investment for them.

Nearly half (46%) don’t know what their best investment options are and more than one-third (34%) are stressed out over this.

Participants are almost twice as confident about making investment decisions if they have help from a financial professional than if they decide on their own (61% vs. 32%).

Schwab Retirement Plan Services Inc. (25-75 years old 1,004 interviews)

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Inflation Management

@ 3 % Inflation If Your Initial Savings were $1,000,000….

Value 10 years from today = $737,424Value 20 years from today = $543,795Value 30 years from today = $401,007

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Your Goals

Build an Investment Portfolio that Provides Sufficient Income to Support your Client’s Lifestyle and Retirement Needs.

With the Risk-Award perimeters at an Acceptable Level.

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Company

LOGO

Hard Asset Investment Process

Bridge to Your Financial Future

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Hard Assets Defined

ENERGY - WTI Crude (-7.09%) -Fracking, MLPs Natural Gas (12.11%), Coal (-16.78%), Biofuels

PRECIOUS METALS Gold Au (7.14%), Silver Ag (8.98%), Platinum Pt (9.87%)

BASE METALS Copper Cu (4.18%), Aluminum Al(2.33%), Zinc Zn (12.16%),

Lead Pb (15.19%), Rare Earths, etc.

AGRICULTURAL Corn (8.00%), Wheat (19.19%), Live Cattle, Coffee, Cocoa, Cotton etc.

COMMERCIAL REAL ESTATE Bloomberg 2012

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Commercial Real Estate

Office Buildings, Shopping Centers, Industrial Buildings

Apartment Buildings, Other

Gross Leases, Net Leases (“NNN”), Bond Leases. Advantages:

High Leverage Ratios with Fixed Rates Available. Inflation Protection.

Disadvantages: Fixed Location. Constant Management Required. Depreciation Requires Refurnishing Costs. Illiquid unless owned as Real Estate Investment Trust Shares

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Commercial Real Estate

Like-Kind Exchanges and Tax-Deferred Exchanges Provisions Affecting Tax-Shelter Investments

Limitation of Passive Losses and Credits Special Rule for Rental Real Estate Depreciation and Recapture

Investment Measures Capitalization Rates Price Per Square Foot Internal Rate of Return

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Real Estate Valuation

Gross Income

Less Vacancy Estimate

Effective Gross Income

Less ExpensesManagement

Real Estate Taxes

Utilities

Reserves

Net Income Before Depreciation

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Real Estate Valuation

Net Income/ Capitalization Rate = ValueCash Flow is King

Appraisal Market Approach Cost Approach Income Approach

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Strategic Focus

Strategic Focus

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GOLDEN GATE ADVISORS

Investment Management

Vision without action is a daydream. 

Action without vision is a nightmare. 

Japanese Proverb 

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Fiduciary

The fiduciary duty is a legal relationship between two or more parties, most commonly a "fiduciary" or “trustee" and a "principal" or “beneficiary“.

A fiduciary must exercise the care, skill and diligence of a prudent

person acting solely in the interest of the client. A fiduciary duty is the highest standard of care imposed at either

equity or law. A fiduciary is expected to be extremely loyal to the person they owe the duty (the "principal"): they must not put their personal interests before the duty, and must not profit from their position as a fiduciary, unless the principal consents. The fiduciary relationship is highlighted by good faith, loyalty and trust, and the word itself originally comes from the Latin fides, meaning faith, and fiducia.

A procedural standard not a performance standard.

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Satellite - Core

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Asset Allocation

Domestic Stocks

Bonds

Liquid Assets

Other

Foreign Stocks

REIT & Investment Real Estate

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GGA Dynamic Asset Allocation

Reset %Annually

1st Qtr2nd Qtr

3rd Qtr

4th Qtr

Rebalance

Key Aspect of Investing

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Tax Efficiency

Tax Efficiency by Asset Class

LTCG Tax Harvesting

Exchange

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Company

LOGO

Thank You

Bridge to Your Financial Future