S&G Gramby Business Services Insurance Agency “We Care About You!”™

S&G Gramby Business Services™ Insurance Agency “We Care About You!”™ About Us Mission and Vision Strategic Partners The Need Exists PAL™ Plan Solutions Our Next Step

S&G Gramby Business Services Insurance Agency “We Care About You!”™ We Are: Licensed Insurance Professionals Driven by Integrity and Trust Over 50 years of combined business experience Client first in approach PAL™ Planning specialists

S&G Gramby Business Services Insurance Agency “We Care About You!”™ Our Mission Is to Assist, Educate and Empower Families to be healthy and become financially free and achieve their goals. Our Vision Is to develop family specific, holistic financial plans, built upon Integrity & Trust, that will help to unify and increase wealth in every home.

S&G Gramby Business Services Insurance Agency “We Care About You!”™ The 45 – Year Plan 95 percent of people spend up to 45 years of their live making the other 5 percent successful. They work a plan for someone else’s financial success – not their own! For every 100 people who reach the age of 65… 1% Wealthy 4% Financially Fit 5% Still Working 28% Dead 62% Flat Broke

S&G Gramby Business Services Insurance Agency “We Care About You!”™ The 45 – Year Plan (cont.) Your options to earn additional income: * Working more hours * Get a second job * Own your own business * Franchise * Investments * Inheritance * Going back to school * Lottery

S&G Gramby Business Services Insurance Agency “We Care About You S&G Gramby Business Services Insurance Agency “We Care About You!”™ Strategic Partners AFLAC AIG Allianz American Equity Assurant Health AVIVA Blue Shield Careington Equity Trust Fidelity Life ForeThought Genworth Health Net International Medical Group Patriot Travel Medical Insurance Global Medical Insurance Integrity Life ING Kaiser Permanente Lincoln Financial LSW MetLife Midland National Mutual of Omaha National Guardian Life Pre Paid Legal Prudential Financial Real Finance Solutions RBC SHARP Health Plan United of Omaha Life Welcome Funds Western Health Advantage Western Reserve Life

S&G Gramby Business Services Insurance Agency “We Care About You S&G Gramby Business Services Insurance Agency “We Care About You!”™ The Need Exists Rule of 72 When you divide your current rate of return into 72, the result equals the approximate number of years it takes to double your money. Example: 72 ÷7(% rate of return)=10.2 years. $20,000 should double to $40,000 in ten years. Doubles in 18 yrs. 12 yrs. 9yrs. 7.2yrs Age 4% Age 6% Age 8% Age 10% $20,000 35 $20,000 35 $20,000 35 $20,000 53 $40,000 47 $40,000 44 $40,000 42.2 $40,000 71 $80,000 59 $80,000 53 $80,000 49.4 $80,000

S&G Gramby Business Services Insurance Agency “We Care About You S&G Gramby Business Services Insurance Agency “We Care About You!”™ The Need Exists Tax Today Checking Savings CD’s M/F Stocks Bonds Treasuries Tax Tomorrow 401(k) 403(b) IRA/SEP-IRA Annuities Savings Bonds Un Taxed Roth IRA/401(k) Cash Value Insurance

S&G Gramby Business Services Insurance Agency We Care About You S&G Gramby Business Services Insurance Agency We Care About You!”™ The Need Exists Who would take care of your family if something happened to you? What would your spouse have to do to maintain the current lifestyle? What happens if you can’t work? Do you have an emergency plan? When do you want to retire? How much do you need?

S&G Gramby Business Services Insurance Agency “We Care About You S&G Gramby Business Services Insurance Agency “We Care About You!”™ PAL Plan™ Solutions Personal Risk Protection Get paid when you get hurt or sick Protect against major medical expenses Medicare Supplemental plans Available guaranteed worksite benefits Plans for groups of 2 people or more Long Term Care plans

S&G Gramby Business Services Insurance Agency “We Care About You S&G Gramby Business Services Insurance Agency “We Care About You!”™ PAL Plan™ Solutions Asset Management Protection Protect your family while you save and grow your money. Butler and Maid protection Safe, fixed retirement income guaranteed for life 5-15% Bonus plans are available Tax deferred and tax advantaged protection

S&G Gramby Business Services Insurance Agency “We Care About You S&G Gramby Business Services Insurance Agency “We Care About You!”™ PAL Plan™ Solutions Legacy Protection Protect your family against Death Taxes Pass down your assets to your future generations, not the government Keep the government out of your heir’s wallets Put all your affairs in order

S&G Gramby Business Services Insurance Agency “We Care About You S&G Gramby Business Services Insurance Agency “We Care About You!”™ Our Next Step A conversation about your needs, wants and goals. Complimentary evaluation of current policies Schedule a follow up meeting, within the next couple of days. Visit our website at www.sggrambybusinessservices.com What are you waiting for? Something to happen? ‘It’s getting late. Do you know what your money is doing for you?’