Proceess of Ray Mond

Neil Garrison, Financial AdvisorPRESENTED TO: Chaz Price, Financial Advisor

7261 West Central Ave.

PROSPECTIVE CLIENTSToledo, Ohio 43617

419-214-4000

[email protected]

[email protected]

www.wealthatgarrison.com

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC

©2013 Raymond James Financial Services, Inc., member FINRA/SIPC Raymond James® is a registered trademark of Raymond James Financial, Inc. Material prepared by Raymond James for use by its advisors.

OUR TEAM

Our team is committed to professional development and teamwork. We participate in numerous forms of continuing education throughout the year to further our ability to serve our clients.

Neil Garrison• President of Garrison Financial • Financial Advisor for Raymond James Financial Services • Series 7,9,10, 24 and 65 licensed • 26 years of experience • Neil is responsible for the design, implementation and the review of

client portfolios • MBA from Notre Dame • Enjoys golf, squash, coaching, community service and investing

Chaz Price• Managing director of Garrison Financial • Financial Advisor for Raymond James Financial Services • Series 7, 65 licensed • 10 years of experience • Chaz is part of the financial planning process and responsible for

the design and implementation of the firm’s strategic initiatives • MBA from University of Toledo • Enjoys, golf, running and spending time with family

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OUR VISION

OUR VISION

We commit to remaining a dependable, results-oriented wealth

management firm, with a solid reputation for excellence and a

proven track record for long-term success.

OUR METHODS

We use smart strategies and real solutions to understand our

clients’ needs, balance their risks and help them take advantage of

realistic opportunities.

OUR FOCUS

We work hard to ensure the employees, families and stakeholders of our clientele enjoy comfortable, secure retirements.

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THE RAYMOND JAMES ADVANTAGE

Account Protection

ASSETS HELD WITHIN A RAYMOND JAMES ACCOUNTARE PROTECTED IN THREE WAYS.

The financial strength of Raymond James.

Raymond James & Associates is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is

available upon request, at sipc.org or by calling 202.371.8300.

Raymond James has purchased excess SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by the Lloyd’s trust funds and Lloyd’s Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of

customer funds. Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not

protect against market fluctuations.

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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.

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Despite the financial turmoil of the past few years, Raymond James has delivered 102 consecutive quarters of profitability and 28-straight years of paying dividends to shareholders. We credit much of this performance to the firm’s client-first perspective and adherence to its founding core values of professional integrity, advisor independence, and a conservative, long-term approach to investing.

BY THENUMBERS

More than 10,000 associates worldwide

Over6,300financial advisors

Over 2,500 locations (United States, Canada and abroad)

More than 2.5 million client accounts

Approximately$405 billionin client assets

STRENGTH AND STABILITY

Earnings Per Share – Trailing 10 Years

2012 Total Revenue – By Business Unit

HONORS AND ACCOLADES

In April 2013, the Wall Street Journal recognized three Raymond James analysts in

the 2012 Best on the Street survey. This survey, the oldest of stock selection surveys

being published, identifies the top three analysts from over 2800 in each of 44

industries based on stock picking skill. Only five other firms, of which 3 are competing full-

service brokers, had more analysts recognized.

In March 2013, Fortune magazine ranked Raymond James Financial as one of the

top five most admired securities companies in the world for the third year in a row. The survey involved 698 companies from 32 countries. Judging was based on attributes such as quality of management,

products, services and social responsibility.

In the prestigious Financial Times 2012 StarMine Analyst Awards, 12 Raymond

James analysts received 11 awards, ranking the firm ninth among all U.S. brokerage

firms.

Updated 7/25/2013. The data provided is for informational purposes only and is not a solicitation to buy or sell Raymond James Financial stock. Past performance may not be indicative of future results. The Wall Street Journal does not endorse, sponsor or approve the investment programs of Raymond James. StarMine objectively measures the performance of analysts based on the returns of their buy/sell recommendations and the accuracy of their earnings estimates. Fortune ranking based on an average score of nine key attributes of reputation: people management, use of corporate assets, social responsibility, quality of management, financial soundness, long-term investment, quality of products/services, global competitiveness, and innovation.

CLIENT SOLUTIONS PLANNING FOR RETIREMENT

Selected Retirement Resources

INVESTOR INDIVIDUALEDUCATION AND RETIREMENT QUALIFIED PLANSOFTWARE TOOLS ACCOUNTS (IRAs) CONSULTING

Our team has access to Our team can provide For business owners anda variety of educational guidance with the IRA executives, Raymondmaterials, presentations and Roth IRA selection James specialists canand planning tools on process, contribution provide counseling onimportant topics to the guidelines and distribution which retirement plan iscurrent or future retiree. guidelines. The team also appropriate for yourIn addition, we use assists in IRA planning situation and advice on aspecialized software that as it pertains to required plan format and design.can model retirement minimum distributions, Technical advice isscenarios for clients in estate planning, beneficiary available on all aspects oforder to illustrate specific designations and retirement plans includingwithdrawal scenarios, substantially equal the interpretation of rulespossible investment payments. and new laws.outcomes, and the impact The team providesof taxes and inflation. guidance as to which plan

providers are mostsuitable for a specific caseand assists with theselection process, plansetup and plan monitoring.

*Please refer to disclosures on the next slide.

VARIABLEANNUITIES*

Variable annuities can be important tools in retirement accumulation and income planning. We can work with you to determine if annuities are a viable tool to help you accomplish your goals.

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CLIENT SOLUTIONS ADVANCED PLANNING STRATEGIES

For many, one of the most rewarding aspects of wealth is sharing it with others. Whether your desire is to create a multi-generational wealth preservation and transition plan for your family, provide funding to a charitable entity, or provide for a family member’s higher education, we have access to a variety of tools to help address your legacy and wealth transfer concerns.

TRUST AND ESTATE PLANNING STRATEGIES

We can provide estate planning analysis. With the resources of Raymond James Trust, N.A. at our disposal, we can assist clients in the trust planning process and leverage the expertise of a professional fiduciary.

CHARITABLESTRATEGIES

While many individuals give to charity, few take the time to create a well-designed charitable strategy that considers personal tax benefits and control over your investments. We can assist with strategies such as:

Charitable Remainder Trusts

Charitable Lead Trusts

Pooled Income Funds

Charitable Gift Annuities

Donor Advised Funds

Private Family Foundations

EDUCATIONFUNDING

For many, Section 529 college savings plans are an attractive way to fund a family member’s higher education. In addition to tax-favored accumulation and withdrawal, you can maintain control over the assets in a 529 plan and change the beneficiary over time.

Others may consider the Coverdell ESA, especially when funding for primary or secondary education expenses.

Investors should carefully consider the investment objectives, risks, charges and expenses associated with 529 college savings plans before investing. More information about 529 college savings plans is available in the issuer’s official statement, and should be read carefully before investing.

Favorable state tax treatment for investing in Section 529 college savings plans may be limited to investments made in plans offered by your home state.

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Our process is a consultative, planning-based endeavor.

At its core is a clear

understanding of

your values, goals,

key relationships,

assets, interests,

contact preferences,

our team, select

Raymond James

specialists and

outside specialists

where appropriate.

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CLIENT SERVICE MODEL OVERVIEW

Client DiscoveryWe use a variety of methods and processes to fully integrate your goals, financial situation, investment experience and risk tolerance, into one comprehensive financial plan. We discuss with you the right financial tools, capabilities and resources you need to achieve the retirement you deserve.

Strategy SelectionOur team analyzes the information you’ve shared with us and designs a solution intended to help reach your objectives. This step may involve a Goal Planning & Monitoring (GPM) session, as well as collaboration with other strategic alliances. The result of our analysis is a realistic plan of action that provides guidance and focus towards your long-term goals.

Plan ImplementationWe implement your plan using a team of dependable money managers with solid reputations, long-term philosophies and a commitment to getting results. The selection of specific account types, investment products and optional services is tailored exclusively to meet your unique situation, time frame and preferences.

45-Day Follow-UpOnce the plan is implemented, the 45-Day follow-up meeting gives us an opportunity to help you understand your statements and organize your documents. For your convenience, we provide you a colorful binder tabbed with important sections such as Tax Documents, Confirmations and Quarterly Performance Reports.

Goal MonitoringWe carefully monitor your financial plan and track it’s progress towards the goals you’ve established. We conduct on-going performance reviews, schedule periodic face-to-face meetings, provide 24-hour cell phone access and recommend as-needed adjustments to your portfolio to help ensure you’re prepared for the future.


We employ a disciplined, consultative process to craft customized, highly integrated financial solutions for our clients.

Building stronger relationships is key to fully understanding our client’s needs and helping them meet the challenges they face most effectively.

With that in mind, each component of our five-step, consultative process is designed to foster trust, deepen our relationships and delight our prospective and existing clients with world-class service.

Client Discovery

StrategySelection

PlanImplementation

45-Day Follow-up

GoalMonitoring

GoalPlanning

Review/EstablishGoals

Implement/Maintain

Plan

Confirm/ChangeStrategies

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Raymond James is a firm founded 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’ financial needs beyond their lifetimes.

Our team has access to a variety of independe

nt specialists who provide meaningful insight into our advanced wealth planning process.

Wealth Enhancement

Wealth Transfer

Wealth Protection

Charitable Giving

Attorneys

Certified PublicAccountants

GarrisonFinan

cial, LLC

Charitable Giving DerivativesSpecialists Specialists

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OUR INVESTMENT PROCESS ASSET ALLOCATION

Asset allocation decisions are among the most important factors affecting total portfolio volatility.

FACTORS IN PORTFOLIO VOLATILITY

Market Timing: 1.8%

Asset AllocationSecurity Selection: 4.6%Decisions:

91.5%Other: 2.1%

Source: Brinson, Beebower and Associates, “Determinants of Portfolio Performance,” 1986, updated 1991 and 1995. Asset allocation does not ensure a profit or protect against a loss.

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OUR INVESTMENT PROCESS RISK AND REWARD

Exp

ecte

d R

etu

rnAggressive Global Equity

Balanced with GrowthEmphasis on Growth

Growth

ConservativeBalanced

Balanced

Conservative

Lower-Risk Higher-RiskPortfolios Portfolios

Risk (Standard Deviation of Return)

An efficient frontier represents every possible combination of assets that maximizes return at each level of portfolio risk and minimizes risk at each level of portfolio return.

The above illustration depicts the typical relationship between risk and return. Generally, investors are expected to be compensated in returns for assuming higher levels of risk.

Asset allocation does not ensure a profit or protect against a loss. Standard deviation measures the fluctuation of

13 returns around the arithmetic average return of the investment. The higher the standard deviation, the greater the variability (and the risk) of the investment returns.

OUR INVESTMENT PROCESS INVESTMENT SELECTION

We have access to a wide variety of investments when designing portfolios for our clients and – with the support of Raymond James research and due diligence, and our own analysis and understanding of your needs – we choose investments best suited to your needs, constraints, obligations and goals.

INVESTMENT UNIVERSE(Professional Asset Managers, MutualFunds, ETFs, Annuities, Stocks, Bonds,

Raymond James REITs, Alternatives, etc.)Our Quantitative andResearch andQualitative AnalysisDue Diligence

RELEVANT INVESTMENTS(Quality investments

appropriate to your situation)

Knowledge of YourPersonal Situation

SPECIFICRECOMMENDATIONS(Investments chosen

for you)

Please refer to disclosures on the next slide.

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ONGOING COMMUNICATION GOAL PLANNING AND MONITORING

As you look to the future, there are a lot of unknowns, and the key to a secure and comfortable retirement is making sure that your plan is flexible enough to withstand the unexpected. Using our innovative, propriety Goal Planning and Monitoring tool, we can evaluate your personal plan for its sensitivity to changes in many of the different risks that can impact your chances of achieving your goals.

LongevityOutliving your money

Long retirement horizons due to longer life expectancies

Outliving assets

Spending andWithdrawalsRunning out of money

Wants vs. needs

Sustainability of withdrawals

Impact of spending behavior

Unknowns“What if …”

Long-term care needs Potential disabilityMedical expenses Early death of a spouse Unexpected expenses

Inflation Market RisksThings cost more over time Can’t control the markets Erodes the value of savings Uncertain returns and income

and reduces returns Bear Market Stress-Tests Healthcare inflation 6+% Asset allocation and locationSource: U.S. Bureau of Labor Statistics

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ONGOING COMMUNICATION AWARD-WINNING* CLIENT STATEMENTS

Select our Comprehensive Statement* or our newExecutive Overview

Our Comprehensive Statement offers detailed information, including:

Cost basis and date acquired

Subcategories within each portfolio section

Chronological sorting of all activity

Charts and graphs that provide additional information

Our Executive Overview provides a streamlined version of your statement:

Focused on essential account information

Delivered in a simple, easy-to-read format

Printed “portrait-style” and mailed in a standard envelope

Change your mind about whether you want the detail that our ComprehensiveStatement offers or the conciseness of our Executive Overview? No problem.Just let us know, and we’ll make the change for you.

*Raymond James Financial, Inc.’s enhanced client statement, which debuted in early 2007 to clients of its domestic wholly owned broker/dealer subsidiaries, Raymond James & Associates and Raymond James Financial Services, was ranked third-best among a field of 23 competitor firms in the latest rankings from Dalbar, the nation’s leading financial services market research firm, in their “2007 Trends and Best Practices in Brokerage Statements” study.

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ONGOING COMMUNICATION INVESTOR ACCESS

Investor Access combines the freedom of online services with the essential support and guidance of your professional financial advisor. With this service you can review activity and balances in all your accounts, individually or combined.

Complete access to your brokerage accounts and secure documents, as well as in-depth research and timely commentary

Simple, easy-to-navigate design

Quick-review home page featuring account summary and other convenient links

Multiple account statement delivery options

Quicken®, Microsoft Money® and TurboTax® download capability

Mobile access via the Investor Access smartphone app

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ONGOING COMMUNICATION OPTIONAL COMMUNICATIONS

In addition to your monthly statement, we can send you a variety of regular communications based on your specific interests.

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NEXT STEPS

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CLIENT SOLUTIONS VARIABLE ANNUITIES DISCLOSURE

Investors should consider the investment objectives, risks, and charges and expenses of variable annuities carefully before investing. The prospectus

contains this and other important information. Prospectuses for both the variable annuity contract and the underlying funds are available from our office and

should be read carefully before investing.

Variable annuities are long-term investment alternatives designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if made

prior to age 59 1/2, may be subject to a 10% federal tax penalty.

Early withdrawals may be subject to withdrawal charges. An investment in variable annuities involves risk, including possible loss of principal. The contracts,

when redeemed, may be worth more or less than the original investment.

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Neil Garrison Chaz Price

Branch Manager Managing Director

Financial Advisor of Raymond James Financial Financial Advisor of Raymond James Financial

Services Services

419-214-4000 (Office) 419-214-4000 (0ffice)

Toll-Free: 844-787-1987 Toll-Free: 844-787-1987

[email protected] [email protected]

www.WealthatGarrison.com www.WealthatGarrison.com

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