Business Development Timetable What Phase is your company in? Phase I - Start-up & Survival Group Medical Plan Basic Group Life Insurance Business Loan Protection Business Continuation Plan Phase II - Growth & Expansion Key Management Insurance Salary Continuation Plans Executive Carve-out Plans Profit Sharing/401(k) Plan Phase III - Growth & Maturity Executive Bonus Plans Selective Incentive Plans Stock Options Phase IV - Transfer of Control Business Continuity Planning Business Transfer Planning Merger, Acquisition, or Going Public Advanced Estate Planning Business Development Timetable What Phase is your company in? The Business of Business Business Planning Strategies for Managing Owners Protect Assets, Grow Wealth, Live Well. Harnessing the Earnings Power of Your Enterprise to insure Business Continuity and Create Personal Wealth. MEDWealth Advisors TM Turtle Creek Financial Group is certified by the Texas State Board of Public Accountancy as Continuing Professional Education(CPE) Sponsor ID# 010247. Turtle Creek Financial Group 3131 Turtle Creek Blvd. Suite 600 Dallas, Texas 75219 214-219-6669 723 S. I-35 E. Suite 124 Denton, TX 76205 940-891-4000 www.turtlecreekfinancial.com PROTECT ASSETS, GROW WEALTH , LIVE WELL

OUR PHILOSOPHY At Turtle Creek Financial Group we understand that your business is often your greatest asset and your greatest wealth opportunity. You have invested in training and education and you have accepted the responsibilities of an entrepreneur. You sign leases and bank notes, pay mortgages, liability insurance, utilities and meet payroll. You do all that is involved in dealing with your products or services and customers. You do all this to provide a lifestyle and a future for you and your family. Many owners expect to sell the business as a means of funding their retirement. Unfortunately many are disappointed to learn that their business value is heavily weighted towards “Goodwill,” or “the Man is the Company.” There is often difficulty in finding a buyer for a business that may simply close after the owner retires or expires, allowing competitors to directly market to former customers. Turtle Creek Financial Group helps Managing Owners harness the cash flow and the capital their business provides in order to meet their personal long-term objectives. Key Employees are often the Back Bone of a successful Business. The loss of whom can have a devastating effect on profitability. We work closely with Managing Owners to assist in the implement of solutions to these pressing concerns. We facilitate plans designed to; Retain, Motivate & Reward Key Employees on a Selective Basis at the discretion of the Employer. At Turtle Creek Financial Group we are in the Business of Business. What is the Business of Business? In a word - Money. Often Managing Owners are too caught up working in their business to step back and work on their business. Managing Owners run the risk of “The Business” becoming an end unto itself, instead of a means to an end – personal success. We assist in implementing strategies to assure the focus stays clear – harnessing the earnings power of the enterprise to create personal, long term financial success for you, your family and your key people. Money to facilitate the transfer of ownership from one generation to the next. Money to reward key people and insure their continuing commitment to your enterprise. Money to buy out the interest of a shareholder that retires or dies prematurely. Money to cushion the loss of productivity and revenue associated with the loss of a key employee to a competitor, retirement or death. Most importantly, Money to allow you to retire from your business when and how you choose regardless of it’s current value, the business climate or National Economy. At Turtle Creek Financial Group our business is providing clients with cash at critical points; delivered by the most secure and efficient means with a minimum of income tax erosion, legal or government interference. Business Continuity Key Employee Plans Buy/Sell Solutions Executive Compensation LIFPro+ IRC Section 162 Executive Bonus Personal Planning Retirement Estate Planning Overhead Rent/Mortgage Utilities Payroll Payroll Tax Major Medical Dental LTD, etc. Operation Materials Supplies Marketing Advertising Inventory, etc. Enterprise Entrepreneur ERISA Qualified Plans 401(k) Plans 403(b)/457 Plans Cash Balance Plans Economic Planning for Managing Owners The major obstacles to developing personal usable wealth for entrepreneurs may be categorized into several areas; Federal & State Regulation Non-discrimination Codes Confiscatory Taxation Management Risk Creditor Risk, or Legal Liability Inefficient Distribution Planning We organize Managing Owner Economic Planning into four key areas; Business Continuity Personal Planning Selective Executive Compensation ERISA Qualified Plans