your survival guide to money and investing during retirement

Why BUY and HOLD is DEAD...

And What Others Are Doing To

PROTECT & GROW Their Retirement Funds

Warren Buffett’s “Law of Inevitable

Wealth” Has Only 2 Rules:

When will the next Bear Market hit?

1. Never lose money2. Never forget rule #1Bear Markets steal our wealth...

20 Year Results for S&P 500 (to 6/26/2014)

If You Are Retired & Have Funds Invested In The Stock

Market and...

You Want To Live Well In Retirement and...

Avoid Unpleasant Surprises Down The Road...

You’ve Come To The Right Source -

I’m About To Show You…

What every retired person with money in the stock market needs to know....

If you’re like me - you would prefer to

• Hold on to any GAINS and avoid LOSS of principle

• Receive investment GROWTH above the norm

• Enjoy greater financial SECURITY and peace of mind

• Support an independent, active LIFESTYLE

‣And leave a legacy...

WARNING: This Could Be The Most Important Information

You Will Ever Read About Taking Control Of

Your Retirement Funds &Protecting Your Future

Make No Mistake: Your Investments, Your Future, and

Your Family’s Future Are On The Line

If You LOST MONEY In The Last CRASH ...

You May Not Have Time To Recover From Another!

It’s not your fault• If that describes you, you are

not to blame

• You weren’t born knowing how to protect and grow your money - to make it work FOR you as hard as you worked to earn it

• You simply haven’t discovered and gained confidence in a proven money manager with a third-party verified program

What strategy will give you a fighting chance?

• A method that works with today’s REALITIES

• A program in place to PROTECT your funds and GROW your income

In My Experience, Unless You Use A

Strategy Like This... You Don't Stand a

Chance

And if you don’t?

• Without a strategy like this in place, it’s going to be a ROCKY RIDE

‣ Here’s why...

For these 2 main reasons...

#1Your Funds Are At Risk

#2You Are Likely To Need

More Income Than You Anticipate

First let’s discuss WHY your funds are at

RISK...

‣ Gray: Bull Market Cycle‣ Purple: Bear Market Cycle

Source: Guggenheim Investments - Graph uses data from Dow Jones Industrial Average from 1/1897 to 12/2012.

1897 1906 1924 1929 1954 1964 1983 2000 2012

Valu

e of

Dow

n Jo

nes

Indu

stria

l Ave

rage

9 yrs

5 yr

s11 yrs

17 yrs

18 yrs

25 yrs

17 yrs

History shows markets move in

cycles

What goes up... must come down

• The S&P 500: Up over 180% since hitting bottom in March 2009

• Almost 3 years have passed since the market experienced a 10% correction

• A “healthy pullback” is likely

Source: Expect & Plan For A Major Stock Market Correction In the Coming Weeks/Months – Here’s Why & How, SeekingAlpha; Excerpts from a Parsimony Investment Research article: “Correction 2014: Are You Prepared?” June 6, 2014

“We think this rally is getting very long in the tooth and we wouldn’t be surprised if we have a healthy pullback in the coming weeks or months.”

Why is this so urgent?

I’ll give you the biggest reason right now

The Fed’s money-printing “Deforms Wall Street”• The Federal Reserve is pursuing

unsustainable policies never before seen in America

‣ Never, ever before has the government printed $3.5 trillion

• So the questions is, what happens when the Fed stops the presses from printing all that money?

Source: Porter Stansberry, “How The Fed’s Money-Printing Deforms Washington And Wall Street", July 1 2014; “The Stock Market is Going to Crash” December 2013, Stansberry & Associates Investment Research.

Bleak outlook with National Debt of 16 TrillionDonald Trump paints an ugly picture of where this country is headed:

Source: Donald Trump commented during appearance on Fox News “On the Record with Greta Van Susteren”, July 31, 2014

“The United States is no longer a rich country. When you’re not rich, you have to go out and borrow money. We’re borrowing from the Chinese and others. We’re up to $16 trillion in debt.”

“Right now, frankly, the country isn’t doing well. Recession may be a nice word.”

When the next Bear Market hits, will you be prepared?

Remember Warren Buffett’s “Law of Inevitable Wealth”:

1. Never lose money

2. Never forget rule #1

Bear Markets steal our wealth...

20 Year Results for S&P 500 (to 6/26/2014)

We Must Respond QUICKLY

When The Market Changes Direction

What’s your Bear Market Strategy?• “Buy and Hold” is a method for

a stable growth period

• Unless you have a bear market strategy in place...

‣ A tough and costly ride is on your horizon

• The only question is...

When?

Lets move on to the second reason WHY your money is at RISK...

#2You Are Likely To Need

More Income Than You Anticipate

What’s your longevity plan? • Our generation of retirees are the best educated,

healthiest, wealthiest, and longest-lived in history

• Instead of a life expectancy of ...

‣A miserable 22 years during the Roman Empire

‣A mere 50 years at the turn of the 20th Century

Source: “Life, Death and Entertainment in the Roman Empire” University of Michigan; CRS compilation from National Center for Health Statistics (NCHS), United States Life Tables, 2014

Will you outlive your funds?• With good nutrition, medicine, vaccinations, antibiotics,

hygiene and civility...

‣ We can expect to live well into our 80’s

Source: Center for Disease Control and Prevention, National Center for Health Statistics, Health, 2013

Live long... and prosper?• A person at age 65 is

likely to enjoy about 19 more years

‣ Men: 83 years

‣ Women: 85 years

• And if you live to age 75, you’re likely to surpass age 86!

At birth At age 65 At age 75

76

8386

81

85

89

Males Females

Source: Center for Disease Control and Prevention, National Center for Health Statistics, Health, 2013

85+ age group growing fast!• 5.5 million Americans are

age 85 years and older

• The chances of one member of a couple living past 90 are better than 50/50:

‣ 1975: 38% ‣ 2010: 59% ‣ 2025: 64% projected

Source: U.S. Census Bureau, Population Projections, 2012. Federal Interagency Forum on Aging - Related Statistics, Older Americans, Key indicators of well-being, 2012

Having Enough Money to

Support 10 Years of

Retirement

Is Completely Different from

Supporting 25 years or More

BEWARE: Longer Life Expectancy

Requires BothPROTECTION & GROWTH

of Investments

You Can’t Risk Loss of Principal

Or No Growth

You Haven’t Enough Time ...

Period.

Now you may be wondering how I

discovered all this and...

How I came to sound this warning call...Hi, I’m Marvin Mills, President and Founder of Strategic Income Advisors

Here’s how I learned to make my money work FOR me as hard as I worked to earn it…

One of my high school teachers, Mr. Glazier, would buy a brand new, beautiful Oldsmobile 88 every year…

My first experience investing in the market -

Now, how’d he do that?

I asked him, and he answered…

“Sign up for my economics class and I’ll show you how.”

In class, he taught us how to invest in stocks

I distinctly recall investing 5 dollars and about 5 months later, I got back a whopping...

Five dollars + 65 cents!!

I was hooked!

I knew next to nothing about investing, but I promised myself that very day I would become an investor

Being mathematically mindedI became an engineer –

Excellent training to analyze and interpret numbers and measures

Working as a design engineer on the Polaris missile project got me interested in…

Stress Analysis -

Interesting thing about

stress analysis - A good stress model indicates when

CHANGE may be about to occur

The next turning point in my life can impact

YOUR life as well:

In the investment world, everything is cyclicalFast-forward to 1966 when I had the funds to invest in the stock market

I did very well for the next 3 years

Back then, stocks were like boats in the rising tide – they all went up

‣ I began to believe I was an investment pro

Just in time...

In the middle of 1967, I was blessed to meet Wolfe Schneider

Wolfe had developed a mathematical method using a “Moving Average” to discern when stock market cycles were about to change –

Wolfe’s moving average indicated when to GET OUT of a coming bear market to protect the profits made in the bull market

Wolfe generously shared his method with me

Like a stress analysis run by an engineer...

Bull markets turn into bears...Based upon what Wolfe’s moving average was showing me at the close of 1968…

‣ I banked my investments in CASH

Not long after, the market turned south and continued on that path into 1970

The BEAR market my analysis anticipated...

I sat in cash while those who stayed in the market gave back their bull market profits… and then some!

Suppose That Happened To YOUR

Investments!

Now, I don’t want to mislead you...

We don’t PREDICT, but RESPOND to the market

‣ It’s impossible to pick the EXACT high or the EXACT low

What you CAN measure is the direction of movement

The tools we use now are far more sophisticated than Wolfe’s moving average... but similar in purpose

Again, I was hooked. Based on my experience –

Market Timing can protect your profitsI decided I could be of greatest service by becoming a really good investor -

And like Wolfe, share with others my knowledge of when to GET IN and GET OUT of the stock market

Extra! Extra! Read All About It...

Engineer Becomes Income StrategistBased on these experiences, I got a securities license and worked part-time with a small firm called Unity Securities to develop my skills

On January 1, 1973, I went-full time

Things went extremely well and I retired 12 years later in 1985

Fast-forward to 2008 when my wife and I were serving a mission in Nauvoo, Illinois with about 64 other couples

I witnessed the stock market crash, which left most of our fellow missionaries with savings essentially cut in half

‣ I saw grown men cry

Based on my lifetime experience as an engineer, investor, and money manager…

‣ I evaluated many investment programs

I found what I consider to be the BEST PROGRAM to aggressively protect retirement funds and formed Strategic Income Advisors to make it available to others in the same boat: at retirement age and…

‣ Needing both investment PROTECTION & GROWTH

I couldn’t let this happen again

In the next few slides I will show you my 3-step strategy designed to PROTECT your investments, position you for maximum GROWTH …while you keep full CONTROL of your funds

Let’s not waste time -

My 10-Point Checklist

1 Total Return Make money or lose very little in bear markets like in 2008

2 Return Minimum 12% per year average return over 3-year period that includes a bear market

3 Account Type Not pooled - must be a separate and private account in your name

4 Fees & Commissions No charges or penalties for getting in or out of the investment

5 Liquidity Immediate access, without time limitations on withdrawals

6 Performance Data Must be actual data - not calculated or inferred

7 Performance Results Must be audited and verified by an unbiased third party

8 Draw Downs (losses) Not to exceed 25%

9 Draw Down Recovery A few months at most

10 Minimum Investment No more than $50,000

Any investment program I choose must be able to PROVE the following:

First, let’s focus on Performance Results• In my personal checklist for choosing a proven

investment program, let’s take a closer look at point #7 -

• Have you heard of a company called Theta Research?

• Theta offers money managers like myself the ability to document the actual track record based on actual trading information verified from third-party sources

I found a program that WINS more times than it loses - And when it wins, it wins BIGGER than it loses• Skeptical?

• You have good reason to be -

• And I’ll show you WHY its true, with actual, detailed, verified Theta Research Data, right here -

Win More Times & Win Bigger! Actual, verified data from Theta Research, LLC:

Number of Months Measured 106

Total Trades 121

Winning Trades (losing trades = 44) 77

Average Trades Per Year 14

Average Winning Trades Per Year 9

Average Gain Per Winning Trade 13.06%

Average Loss Per Losing Trade -7.68%

Average % of Time 100% in MMKT (cash) 20.30%

(Data current as of 6/27/2014)

Note: A “winning trade” makes you money. Winning trades = 77 with an average return of over 13%. Losing trades = 44 with an average loss of less than 8%.

Performance from Day 1:

Red Line is Strategic Income Advisors’ Proven Program Black Line is S&P 500

Our Program

S&P 500

Note: The red line tracks NET performance results verified by Theta Research, LLC

Warren Buffett wants “Bear Market Profits”

Here’s proof of what we achieved in the past…

Bear Market Profits – 2008

Note: For the 7 months from 8/1/2008 through 2/28/2009 (highlighted), Our Program = 3.6% and S&P 500 = - 42.0%.The red line tracks NET performance results verified by Theta Research, LLC

S&P 500

Our Program

Red Line is Strategic Income Advisors’ Proven Program Black Line is S&P 500

“Above Average Results”As Theta verifies with actual results - over the past 9 years, our proven program has generated above average performance results:

‣ 23% per year while the S&P 500 gained only 5% per year

As always, I must stay compliant and disclose:

“Past Performance Does Not Guarantee Future Results” Source: As verified by Theta Research, August 5, 2014

Red Line is Strategic Income Advisors’ Proven Program Black Line is S&P 500

Our Program

S&P 500

Will our program continue to work in the future?• We believe we will be

successful in the future because our program was designed with redundancy and diversification in 3 ways:

‣ In the signal generation‣ By using multiple platforms‣ In the trading process

• Which means, in brief…

Strategic Income AdvisorsCan Help You Avoid

Unpleasant Surprises Now & Down The Road

Don’t predict - Instead, respond quick

Our income strategy is to look for the cyclical stress points in the market

These turning points show us when to move money into CASH or SHORT the market in response to proprietary market indicators

It’s not predictive; it’s based on identifying the turning points

as they occur

It doesn’t seem right to keepsomething like this a secret

“What I do, I do for my children and grandchildren. This is Gabi, one of my grandchildren.” ~ Marv

Will disaster strike like a thief in the night?• When we’re past our income

earning days and we can expect to live a long life, we must...

‣ Expect the unexpected• Are you prepared for the BEAR

MARKET that will likely come soon to wreak havoc?

• Most will “never hear it coming”

Sources: Crash of 2014: Like 1929, you’ll never hear it coming, Commentary: Disaster strikes like a thief in the night, a Mack truck accelerating, by Paul Farrell, MarketWatch, Feb. 24, 2014

That’s why I want to share my knowledge with as many people as possible ...

before it’s too late

Which way will the market move today?

UP? DOWN? SIDEWAYS?

What’s YOUR Strategy?

‣ Bear Market or Bull…

‣ Here’s how to make your money work as hard for you as you did to earn it:

Aggressive Protection Program™

Introducing Strategic Income Advisors’

Protection first, growth secondStrategic Income Advisors’ “Aggressive Protection Program™” has the goal to:

‣ PROTECT your investments

‣ Achieve above average GROWTH

‣ While YOU KEEP CONTROL of your funds...

It doesn’t predict - Instead, it responds quickBased on the principles of Market Timing, our Aggressive Protection Program™ looks for the cyclical stress points in the market DAILY -

These turning points show us when to move funds to go: ‣ Long (expect market to go up)‣ Into Cash (uncertain)‣ Short (expect market to go down)

LONG?CASH?

SHORT?

Never until now?

• When was the last time DAILY effort was directed toward positioning your assets?

‣ For both PROTECTION & GROWTH

• Doesn’t your money deserve this kind of attention –

➡Every Single Day?

“With our

Aggressive Protection Program™

we average

14 trades per year”

Source: As verified by Theta Research, August 5, 2014

Is YOUR Money Being Actively Managed DAILY By Someone YOU Trust?

The Greatest Decision of the Rest of Your

Life…

WHO Will Make Your Money Work FOR You?

It’s time to choose a proven money manager -

If you knew a proven money manager who averaged 23% per year for the last 9 years...

Wouldn’t you be interested?

“Using our Aggressive Protection Program™,

we averaged

23% per year for the last

9 years.”Source: As verified by Theta Research, August 5, 2014

Ready to discover if this 3-step strategy designed to:

✓ PROTECT your investments

✓ Position you for maximum GROWTH

✓ Keep FULL CONTROL of your funds

Is right for YOU?

Schedule your personal -“Strategic Income Advisory Session”• Discover now if we can help

you to protect and grow your retirement funds -

• While you retain full control and transparency of your investments...

• With me, Marvin Mills and this Aggressive Protection Program™

It’s how I plan to...

• Hold on to my GAINS and avoid LOSS of principle

• Receive investment GROWTH above the norm

• Enjoy greater financial SECURITY and peace of mind

• Support an independent, active LIFESTYLE

‣ And leave a legacy

Your individual situation is unique to youWe don’t know yet if we can help you, and the only way to find out is to schedule your -

“Strategic Income Advisory Session”

with me, Marv -

✓ At a convenient time for you

✓ Totally risk free with no obligation

Are you doing everything you can to protect and grow your hard earned money?• Find out now - Schedule your

30-minute “Strategic Income Advisory Session” with Marv -Your Personal Survival Guide To Money & Investing In The Stock Market During Retirement

• To secure your appointment, email Marv at marvinmills@cox.net

YOU

Disclosure Statements:

Marvin Mills, President of Strategic Income Advisors, is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities or investments. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS• Readers of the information contained on these performance reports, should be aware that any action taken by the viewer

based on this information is taken at their own risk. This information does not address individual situations and should not be construed or viewed as any type of individual or group recommendation. Be sure to first consult with a qualified financial adviser, tax professional, and/or legal counsel before implementing any securities, investments, or investment strategies discussed.

• Any performance shown for the relevant time periods is based upon composite results by Theta Research, LLC. Portfolio performance does not reflect any investor’s actual experience with owning, trading or managing an actual investment account.

• Portfolio performance is shown net of the advisory fees of 2.5%, the highest fee charged by Strategic Income Advisors. Performance does reflects the deduction of other fees and expenses, including but not limited to brokerage fees, custodial fees and fees and expenses charged by mutual funds and other investment companies. Performance results shown include the reinvestment of dividends and interest on cash balances where applicable. The data used to calculate the portfolio performance was obtained from sources deemed reliable and then organized and presented by Strategic Income Advisors.

• The performance calculations have been audited by Theta Research, LLC, an established third party. Actual performance of client portfolios may differ materially due to the timing related to additional client deposits or withdrawals and the actual deployment and investment of a client portfolio, the reinvestment of dividends, the length of time various positions are held, the client’s objectives and restrictions, and fees and expenses incurred by any specific individual portfolio.

• Benchmarks: The performance results shown are compared to the performance of the S&P500. The index results do not reflect fees and expenses and you typically cannot invest in an index.

• Return Comparison: The S&P 500 was chosen for comparison as it is generally well recognized as an indicator or representation of the stock market in general and includes a cross section of equity holdings.

It’s time to do everything you can to protect and grow your hard earned money -• Schedule your 30-minute

“Strategic Income Advisory Session” with Marv - Your Personal Survival Guide To Money & Investing In The Stock Market During Retirement

• To secure your appointment, email Marv at marvinmills@cox.net

YOU