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 Economic Review  Strategies to Consider  Suggestions & Ideas  Questions & Answers 2

3 Protection Retirement Plan Retirement Plan Investments Investments Tax Planning Tax Planning Estate Planning Estate Planning

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 U.S. Interest Rates  Corporate Earnings  Oil Prices  Foreign Interest Rates  China  The Upcoming Presidential Election  U.S. Interest Rates  Corporate Earnings  Oil Prices  Foreign Interest Rates  China  The Upcoming Presidential Election 7

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Source: Principal.com

16  The first quarter of 2016 marked the sixth period in a row of quarterly declines — the longest period of consecutive drops outside of a recession, according to Goldman Sachs  The first quarter of 2016 marked the sixth period in a row of quarterly declines — the longest period of consecutive drops outside of a recession, according to Goldman Sachs.  Although the tone of quarterly earnings this season was distinctly negative, that doesn’t mean we’re heading into recession.  Analysts are optimistic that earnings will recover to their previous levels throughout 2016 as pressures from energy prices and exchange rates subside.  Corporate earnings need to be monitored.

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18  Oil prices in 2016 returned to 2004 levels  Energy related companies make up over 15% of S&P 500  Many company earnings are impacted by oil prices

19  Oil prices have continued to be volatile in 2016  Oil Prices should be monitored by investors

20 Many Central Banks worldwide are currently offering NEGATIVE rates to investors

21  China was once forecasted to grow at robust rates  In June of 2016 China’s central bank warned of slower growth forecasts

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23 U.S. Interest Rates U.S. Interest Rates Corporate Earnings Corporate Earnings Oil Oil Foreign Interest Rates Foreign Interest Rates China China

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  An index, whether S&P 500 or the Dow Jones, isn’t a measure of your portfolio.   It’s what your portfolio is doing, not what “the market” is doing, that is important.   Your portfolio doesn’t always move in lock step with any single market or index. Indexes cannot be invested in directly, are unmanaged and do not incur management fees, costs and expenses. Indexes cannot be invested in directly, are unmanaged and do not incur management fees, costs and expenses. 27

 It’s near impossible to consistently predict market declines or increases.  It’s equally as hard to predict how long a market decline or increase will last.  It’s almost impossible to consistently predict the absolute best time to get in or out of the market! 28

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 Re-evaluate your investment goals and objectives  Confirm your investment timelines  Short Term  Longer Term  Re-evaluate your risk tolerance  Conservative… Moderate….Aggressive  Make sure your investments match your risk tolerance level tolerance level 31

 Analyze your true cash flow requirements. Review your emergency fund needs – keep enough liquid for 6-12 months of living expenses plus planned expenditures.  Review your emergency fund needs – keep enough liquid for 6-12 months of living expenses plus planned expenditures. 32

33  Meet With You!  Confirm your risk tolerance is where it should be for your situation. it should be for your situation.  Rebalance – Where appropriate  Capital Gains & Loss Tax Harvesting  Review Your Retirement Plans

 Analyze your sources of income and true cash flow requirements  Review your overall tax planning strategies  Review your emergency fund needs 34

35 Investors need to prepare for any environment!

We review changes for our clients regularly! 36

What can you expect from us? Constant communication More frequent discussions More frequent discussions We are constantly reviewing economic, tax, estate and investment issues for our clients We are constantly reviewing economic, tax, estate and investment issues for our clients 37

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Insert Approved broker/dealer disclaimer This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Contents Provided by APFA, Inc. ©