COMBINED QUALIFIED PENSION PLAN

CONCURRENT OFFSET, AGGREGATED BENEFITS & POST RETIREMENT

MEDICAL BENEFITS UNDER IRC §401(H)

FINEX WEALTH MANAGEMENT, INC.

BARRY M. FINESENIOR FINANCIAL ADVISOR

FINEX WEALTH MANAGEMENT, INC.1201 Broadway, Suite 803

New York, NY 10001631.513.8822

An Independent Advanced Financial Strategies, Inc. Group Affiliate

*****

BENEFITS OF OUR COMBINED QUALIFIED PLAN

FWM Combined Qualified Plans address all DOL mandates for increased responsibility and accountability from plan sponsors and include: 1. New risk management strategies 2. More analysis and due diligence 3. Documented processes and procedures in place to keep their plan compliant 4. Enhanced participant communication 5. Fiduciary Handbook & Toolkit for retirement plan trustees 6. Understanding ERISA & Fiduciary Responsibility 7. Online IPS Manager & Annual Review 8. Fiduciary Standards Warranty 9. Fund Check® 10. Trustee Annual Plan Review 11. Customized Audit Package 12. Participant Investment Education 13. Participant Goal Setting & Personalized Reviews

COMBINED QUALIFIED PLANS

WHO SHOULD CONSIDER THE COMBINED QUALIFIED PLAN DESIGN WITH PRIME- POST RETIREMENT INDIVIDUAL

MEDICAL EXPENSE ACCOUNT

Dentists, Doctors, Owners/professionals seeking a higher contribution/taxdeduction than the traditional 401k profit sharing . 2. Highly profitablecompanies of all types and sizes. 3. Successful family businesses andclosely-held businesses. 4. CPA and law firms, medical groups andprofessional firms. 5. Older owners who need to squeeze 20 years of retirement saving into 5 to 10 years. 6. Owners/partners looking for a way to fund a buy-sell or stock redemption agreement on a tax deductible basis. 7. Wealthy owners and professionals with charitable giving intentions stymied by the limitations on tax deductibility. 8.Pre-tax planning for medical expense needs in post retirement.

A Targeted Employee Plan Design

Estate & Business Planning

FWM Combined Qualified Plan provides advanced planning inside pension: 1. Fund business buy/sell agreements, ESOPs, Captives 2. Fund charitable planning 3. Fund Long-term Care, single pay, post retirement 4. Fund estate equalization plan 5. Fund DB corpus in fixed and indexed annuities 6. Fund healthcare/medical expense account 7. Fund tax reserve to pay tax on RMD distributions 8. Fund to reduce quarterly tax estimates 9. Fund to reduce payroll tax, AGI 10. Fund to increase savings up to 8x the max pension limit.

MAXIMIZE OWNER BENEFITS - MINIMIZE PLAN COSTS

REDUCE QUARTERLY TAX ESTIMATES, PAYROLL, AGIHIGH DEDUCTIBILITY

BARRY M. FINESENIOR FINANCIAL ADVISOR

FINEX WEALTH MANAGEMENT, INC.1201 Broadway, Suite 803

New York, NY 10001631.513.8822

An Independent Advanced Financial Strategies, Inc. Group Affiliate

*****