1. Personal Financial Experiences, LLC The Pursuit of Real Wealth…Your Dreams J.C. Corrigan, CFP®

3. Realized tax and transaction savings through proven re-balancing, positioning, and liquidation strategies

4. Deductible Investment Expenses

5. They don’t underperform their market benchmark

7. They prevent you from making un-necessary sacrifices

8. They avoid un-necessary investment risk

9. They provide you with the gift of time, today and tomorrow

10. They help you understand trade-offs and competing prioritiesThey provide True Wealth Management, built around the things you care about

11. The Elements of True Wealth Management Cost and Tax Efficiency Wealth Value Fraud Risk Positioning True Wealth Management Relationship Transactional Uncertainty Expensive Trust Opportunity Integrity

12. Portfolio 1 has 5x higher hidden costs of trading and taxes 85%1 17% Portfolio 1 offers 1.03% of wealth destruction every year 0.16% 1.19%2 Portfolio 2 delivers more diversification 1713 5,490 Tax Efficient Management - Rebalancing, Withdrawals, etc Personal Planning for a lifetime of resolutions Portfolio 2 saves 000’s of $’s over a lifetime and Comfort and Confidence in achieving life goals Nifty Brochures, Luck, Cap Gain Distributions Blind Resume: Which portfolio would you rather have? Portfolio #1 Portfolio #2 Impact 4 Market benchmark less expenses Portfolio #2 avoids underperformance risk Unknown, but only 0.6% beat market benchmarks4 Turnover Rate Expense Ratio Stocks Owned Value-Add Performance Portfolio Breakdown Portfolio 2 provides simplicity VTI, VEU, IEF The average mutual fund 1 – Average turnover rate according to thefool.com; 2 – Average mutual fund expense ratio according to Vanguard found on Marketwatch article; 3 - globip.com/pdf_pages/northamerjournal-vol1-article4.pdf 4 – Swiss Financial Institute, False Discoveries in Mutual Fund Performance

13. Cost to your wealth and quality of life The cost of 1.51% 401k balance in a Balanced Portfolio (60% Equities) 0.28% vs. 1.79%: Impact on your life 42K 0.28% 1.79% 63 88K 58 18K 68K 5

15. Progress toward Goals

16. Review of ChangesOVER Funded Your Portfolio UNDER Funded We provide an “Early Warning System” to rationally prepare to adjust, rather than a forecast or projection or an emotional response to life events and market volatility

17. Wealth goes beyond money It’s the time I spend and the experiences I encounter with my wife and children today and my grandchildren tomorrow It’s how I can make their lives more fulfilling Experiencing that fulfillment, inevitably, comes at a cost – time, money, risk I can help prioritize and balance what is important to maximize Return On Lifestyle (ROL) for those costs by transforming smart transactions and low cost investments into more time, lower risk, and/or greater experiences It’s not about beating the market or chasing returns It’s imagining all that life can me and realizing a lifetime of aspirations As a husband and dad, I know… As a financial advisor, I believe… This is Wealth Management…This is the pursuit of your dreams

18. The Benefits of Our Team Real Wealth Management That You Value Time Money Experiences Cost Effective Low costs and no hidden costs Tax Efficient Itemized Deduction Avoid the Cost of Unnecessary Risk Eliminate Likely Underperformance vs. Occasional Luck Simple Fewer Hassles Less Effort Better Decision Making and Control 8