1. Lets define your greatest concerns. Together we can build a financial strategy that will address your needs and position you for a secure financial future. We honor your privacy. As we begin gathering data, all of your information will remain confidential.

2. Wealth Concepts Financial is dedicated to helping individuals, families and business owners unlock their possibilities and meet their financial needs. We are confident that we can provide you with all of the necessary products and tools to help you improve your financial situation. We offer a higher standard of personal care and service than you will receive anywhere else. 3. Our objective is to help clients prepare for a secure financial future. We use a discovery process to help identify and focus your unique goals and objectives. Identify your current financial situation Determine your financial objectives Define options available to you Develop a plan Implement the plan over time 4. John L. Beckley 5. Financial Independence ...intelligently planned Todays volatile economy makes achieving financial independence more important than ever. The costs of living, education and retirement are steadily rising. Yet the yields of many investments are declining and tax laws are constantly changing. These factors make it even more important to plan for your future and the future of your employees. A Comprehensive Financial Plan CURRENT FINANCES OBJECTIVES TAX STRATEGIES PLAN & DOCUMENTATION IMPLEMENTATION INVESTMENT PLANNING BUSINESS PLANNING RETIREMENT PLANNING ESTATE PLANNING Income / Expenses Assets / Liabilities Tax Bracket Employee Benefits Qualified Plans Non-Qualified Plans IRAs KEOGH 401(k) SEPs Instruments: Trust Documents Taxes Protection Matching goals and concerns with investments Reduce Defer Convert RISK MANAGEMENT Health Disability Life Personal Priorities Financial Goals 6. Communication of Benefits 401(k) and SEP Plans Funding for Retirement Plans Retirement Counseling COBRA Compliance Our Services. Your Solutions. Business and Estate Planning Plans of business disposition based on death, disability and retirement are designed to meet business owners objectives with minimum taxation. We provide recommendations based on the type of business, economic environment, tax consequences and family situations. Employee Benefit and Retirement Plans In addition to the traditional life, health and disability benefits, other group benefits include: Limited Partnership Investing in Real Estate, Oil and Gas Tax-Free Bond Funds Growth Funds Income Funds Tax-Deferred Annuities Investment and Tax Planning Our experts can offer you investment products that can help alleviate your tax burden and maximize your income, including: ...to provide a source of family security ...to fund buy-sell agreements ...to meet retirement objectives ...to retain key employees ...to ensure continuation of a business by providing estate liquidity, key-person indemnification, business overhead expenses and disability protection. Investment and Tax Planning Insurance, a highly flexible financial tool, will be recommended as needed... Annual Incentive / Bonus Programs Capital Accumulation Programs Salary Continuation Plans Financial and Income Tax Planning Executive Compensation Planning We emphasize integration of compensation programs with management styles, business strategies and goals. Plans available include: 7. Emergency Savings Qualified Plans Non-Qualified Plans Medical Expenses Housing Entertainment Recreation Vacation Food + Clothing Transportation School + Childcare Charity P/C Insurance Permanent Life Insurance INCOME 10% 60-70% Gross Income Social Security & Income Taxes Net Income - Learn to live on 60-to-70 percent of your gross income. 8. Family Business Succession Planning Business Owner Exit Strategies Planning Key Employee Protection Employee Benefits Personal Financial Planning Wealth Accumulation Strategies Life insurance Buy-Sell Agreement Funding Business Continuation Executive Benefit Design & Funding Estate Planning Asset Protection Planning Wealth Distribution Strategies Retirement Plan Design & Funding A R E A S O F E X P E R T I S E 9. Claudia Ronzani Financial Advisor Phone 972.338.9655 x107 Mobile 817.692.8617 Fax 972.338.9656 717 S. Coppell Rd Coppell, TX 75019 claudia@wealthconceptsfinancial.com business card info business card info business card info business card info business card info business card info business card info business card info business card info business card info 10. PERSONS NAME | Position Email: person@thewebsite.com Office: 555.555.5555 Cell: 555.555.5555 www.website.com 123 Street Rd, City, State ZIP