COMBINED QUALIFIED PENSION PLAN

CONCURRENT OFFSET, AGGREGATED BENEFITS & POST RETIREMENT

MEDICAL BENEFITS UNDER IRC §401(H), JUST-IN-TIME RETIREMENT ™

FINEX WEALTH MANAGEMENT, INC.

“NO 401(k) Plan Advisory Fee” with Just-in-Time Retirement Funding™ (Qualifying States Only)

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

*****

“NO 401(k) Plan Advisory Fee” with Just-in-Time Retirement Funding™ (Qualifying States Only)

© 2009 Barry Fine

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A fixed indexed annuity is a long-term, tax-deferred investment designed for retirement whose guarantees are backed by the claims paying ability of the underlying insurance carrier. It allows you to create a fixed stream of income through policy riders or through a process called annuitization.

As with most things in life, a fixed indexed annuity does have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you're not yet 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. A death benefit is available and naturally, if you do take an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced.

You should also know that an annuity contains guarantees and protections that are subject to the issuing insurance company’s ability to pay for them. An annuity is a contract between you and an insurance company and it’s sold by prospectus. While it may take some time, you should read these documents.

You should consider the investment objectives, risks and charges, of the fixed indexed annuity and its underlying options carefully before investing. The prospectuses for the fixed indexed annuity and contain information about the product. You can obtain current prospectuses from your Financial Advisor. You should read the prospectuses carefully before investing.

•Not a deposit • Not FDIC or NCUSIF insured •Not guaranteed by the institution •Not insured by any federal government agency • May lose value

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In the last year, your employees have watched their parents and senior colleagues experience chilling losses creating tremendous anxiety that there will not be enough money to live on.

$100 Invested in S&P 500 (1998-2008)

“Standard & Poor’s”, “S&P 500”, Standard & Poor’s 500” and “500” are trademarks of The McGraw-Hill Companies, Inc. Period used for comparison is 9/30/98 through 9/30/08

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CBS 60 Minutes report on the 401k Fallout

http://www.cbsnews.com/video/watch/?id=4955194n

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Your employees are the most valuable asset of your company.Express your gratitude by giving them confidence that their

retirement assets are being carefully and prudently managed.

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Your success as a CEO or business owner is a direct result of the talent you have brought on board and developed

into the leadership of your organization.

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One way to show your appreciation for their loyalty and hard work is to provide them with a financially stable employment environment and the prospect of a secure retirement.

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If you take this approach to the management of your company–and the 401(k) plan you provide your workforce–you can rest easy knowing you are doing the right thing for your people.

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• Demonstrate that “doing the right thing” is a core value of the culture of your company

• Recognize and reward employee loyalty• Create confidence in the employee’s mind as to the

security of their retirement, especially in times of market volatility

• Improve employee retention• Gain an external reputation as a “best place to work”• Provide access for small and medium sized

businesses to an investing philosophy used by large pension funds and the ultra-wealthy

By practicing good stewardship regarding the funds you are managing in the retirement plan you have provided your employees you:

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• 53% of pre-retirees are worried they’ll outlive their money after they retire1

• 43% of pre-retirees aren’t confident their money will last for at least 25 years2

• 67% of retirees underestimate average life expectancy3

1 Gallup, 2008.2 AARP, July 2005.3 Longevity: The Underlying Driver of Retirement Risk, Society of Actuaries, July 2006.

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Allay these fears, pre-and post-retirement,by offering retirement portfolio management that is governed bythe highest and best standards of stewardship.

© 2009 Barry Fine

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Just-in-Time Retirement Funding™ is a forward-thinking approach to the management of defined contribution plans and individual retirement assets that ties the investing strategy to the timing of future expenses.

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The Just-in-Time approach contemplates the expenses associated with the lifestyle and income needs of plan participants rather than subjecting plan assets to the uncertainties of the financial markets trying to increase the net value of the pool.

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Building your nest egg is different than tapping it

Shifting gears

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How

Works

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Cumulative Savings

Longevity Management

Asset Protection

Income to Sustain

Quality of Life

Asset Gathering

Transfer

35 45 55 62 65 67 75 85 95

Age of Consumer

401(k) , Profit Sharing, Thrift & Savings, Group Keogh, DC Pension, Section 457, 403(b) Plans

IRA

Mutual Funds, ETFs

Managed Accounts

Fixed Indexed Annuity

Life Insurance

Accumulationand Protection

Income Distributionand Preservation

529 College Savings Plan

Managing Both Sides of the Curve

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Assets you need for income today should be invested differently than the assets you’ll need for income many years in the future.

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Retirement income is an annual funding need that can be benchmarked and financially forecast. If the investing strategy has been properly structured, laddered investments will produce a corresponding return to meet the funding requirement – just in time.

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Just-in-Time Retirement Funding™ ties the investing strategy to the timing of future expenses and maximizes the pre-and post-tax savings for the plan participant.

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• Reduces the risk associated with market volatility and interest rate declines

This approach:

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• Links investment savings to future lifestyle and income expenses

This approach:

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• Acts as a hedge against inflation

This approach:

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• Reduces/eliminates the fear of outliving your assets

This approach:

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• Secures steady Lifestyle Essential Income and protects associated principal

This approach:

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• Uses fixed index annuities to transfer the risk of a down market to the insurance company

This approach:

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Offers a combination of insurance guarantees and benefits:

• Long-term tax deferral of retirement assets

• Flexible income options

• Death benefit for your beneficiaries

• Guaranteed interest growth every year

• Potential to receive indexed interest based on potential gains in the S&P 500 or Nasdaq 100

• Protects principal, fixed interest and/or indexed interest locked in annually regardless if the market declines.

• Provides incentives to save by moving away from chasing returns to generating an income pool for life.

This approach:

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• Leaving a legacy for family and loved ones

This approach:

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Moving toward risk management

Diversify(Asset allocation)

Hedge(Transfer some risk)

Insure(Transfer all risk)

Why all three? Because consequences matter!

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Your employees are the most valuable asset of your company…

• Express your gratitude by giving them confidence that their earned savings are being carefully and prudently managed.

• Create confidence in employees minds that their retirement savings are secure especially in times of market declines.

• Provide access to an investment philosophy that is used by large pension funds.

• Improve employee retention by gaining an external reputation as a best place to work”