Preserving Your Knowledge Preserving Your Knowledge

& Experience for Future Generations& Experience for Future Generations

Presented by:

David S. Richmond, CLU®, ChFC®David S. Richmond, CLU®, ChFC®Chairman & Chief Investment Officer

Richmond Brothers Financial Management Specialists, Inc.

Richmond Brothers is a licensed Investment Advisor Richmond Brothers is a licensed Investment Advisor Representative in the states of Arizona, Colorado, Florida, Representative in the states of Arizona, Colorado, Florida, Iowa, Kentucky, Michigan, North Carolina, Ohio and TexasIowa, Kentucky, Michigan, North Carolina, Ohio and Texas

Licensed to sell securities, annuities & insuranceLicensed to sell securities, annuities & insurance

Richmond Brothers Financial Management Specialists, Inc. Richmond Brothers Financial Management Specialists, Inc. offers securities through Sammons Securities Co.®, LLC, offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPCmember FINRA/SIPC

Fee-based investment advisory services offered through Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment Sigma Planning Corporation, a registered investment advisoradvisor

DisclosuresDisclosures

Richmond Brothers offers securities through Sammons Richmond Brothers offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC. Securities Co.®, LLC, member FINRA/SIPC.

The broker/dealer for Midland National’s variable products The broker/dealer for Midland National’s variable products is Sammons Securities Co. Sammons Securities Co. is a is Sammons Securities Co. Sammons Securities Co. is a registered broker/dealer under the Securities Exchange Act registered broker/dealer under the Securities Exchange Act of 1934. of 1934.

Sammons Securities Co. is an indirect wholly owned Sammons Securities Co. is an indirect wholly owned subsidiary of Sammons Enterprises, Inc., of Dallas, Texas, subsidiary of Sammons Enterprises, Inc., of Dallas, Texas, the ultimate parent company of Midland National. the ultimate parent company of Midland National.

DisclosuresDisclosures

This is not intended to be a sales seminar. The purpose of This is not intended to be a sales seminar. The purpose of this Webinar is to provide you with general information on this Webinar is to provide you with general information on legacy planninglegacy planning

There will be an opportunity to schedule an appointment There will be an opportunity to schedule an appointment for an individual consultation at the end of this Webinar for an individual consultation at the end of this Webinar which may result in a recommendation of specific financial which may result in a recommendation of specific financial products that may help you achieve your financial goalsproducts that may help you achieve your financial goals

There is no obligation to schedule an appointment or There is no obligation to schedule an appointment or purchase a productpurchase a product

DisclosuresDisclosures

AgendaAgenda

88thth Habit Video Habit Video Why Would You Preserve Your Why Would You Preserve Your

Legacy?Legacy? How & What to CaptureHow & What to Capture Q & A SessionQ & A Session

88thth Habit: To Leave A Legacy Habit: To Leave A Legacy Book written by Stephen R.Covey Book written by Stephen R.Covey

To live, to learn, to love…To live, to learn, to love…

TOTO

LEAVE A LEGACYLEAVE A LEGACY

To LiveTo Live

If you are 50 years old If you are 50 years old – Life expectancy of 79.6 yearsLife expectancy of 79.6 years– Have over 50% of your life to liveHave over 50% of your life to live

If you are 65 years oldIf you are 65 years old– Life expectancy of 83.4 yearsLife expectancy of 83.4 years– Have 25% of your life to liveHave 25% of your life to live

If you are 80 years oldIf you are 80 years old– Life expectancy of 88.9 yearsLife expectancy of 88.9 years– About a decade left to liveAbout a decade left to live

Sources: CDC -- Sources: CDC -- Health, United States, 2006

People Who Became Famous After People Who Became Famous After Age 50Age 50

Source: Source: http://wikipedia.org

Ray KrocRay Kroc, bought McDonald’s at age 59 (a small business at the time), bought McDonald’s at age 59 (a small business at the time)Benjamin BannekerBenjamin Banneker, published six Farmer’s Almanacs beginning at age 61, published six Farmer’s Almanacs beginning at age 61Maggie Kuhn, activist and founder of the Gray Panthers at age 65 Maggie Kuhn, activist and founder of the Gray Panthers at age 65 “Speak your mind even if your voice shakes.”“Speak your mind even if your voice shakes.”

Clara PellerClara Peller, Wendy’s spokeswoman, famous for her "Where's the , Wendy’s spokeswoman, famous for her "Where's the Beef?" catch-phrase (at age 81)Beef?" catch-phrase (at age 81)Mae LabordeMae Laborde, began acting in her 90s, began acting in her 90sAbraham LincolnAbraham Lincoln, elected President at age 51, elected President at age 51

To LearnTo Learn

SUCCESSSUCCESS KNOWLEDGEKNOWLEDGE ACTIONACTION++==

To LoveTo Love

““To the world you might be one person but to one person you To the world you might be one person but to one person you might be the world.”-Anonymousmight be the world.”-Anonymous

www.simpletruths.com

SUCCESSSUCCESS KNOWLEDGEKNOWLEDGE ACTIONACTION++==

Remember:Remember:

Take ActionTake Action

Create the materialCreate the material– Keep a best practices journalKeep a best practices journal

What’s important to youWhat’s important to you What made you who you areWhat made you who you are

– Sections on career, money, family, Sections on career, money, family,

random thoughtsrandom thoughts

Someday your children will be ready for Someday your children will be ready for your guidanceyour guidance

We don’t remember We don’t remember days in our livesdays in our lives but rather, but rather, moments in timemoments in time

Final ThoughtFinal Thought

Question & Answer SessionQuestion & Answer Session

We welcome your questions at this We welcome your questions at this timetime

Thank You!Thank You!

Please e-mail Please e-mail Kira@richmondbrothers.comKira@richmondbrothers.com with any feedback with any feedback