6 BROKER DEALER MYTHS DEBUNKED IN 30 MINUTES.

David Hoff CLU, ChFC, CFP Owner First Heartland Capital, Inc.

MYTH #1: ALL BROKER DEALERS ARE OWNED BY LARGE COMPANIES SO…WHY DOES OWNERSHIP MATTER? Independently owned for 27 years Products are determined by client need not distribution Relationships are what set us apart from the competition VAN GOGH SLICED OFF HIS EAR?

MYTH #2: BROKER DEALER’S REQUIRE INDEX ANNUITIES TO FLOW THROUGH THE BROKER DEALER Good News: we currently view this as an outside business activity Full Disclosure: if it is deemed a security it must flow through the broker dealer This business can still be run through Davis Life in either scenario! WITCHES WERE BURNED AT THE STAKE IN SALEM?

MYTH # 3: MEDIUM SIZED FIRMS CAN’T COMPETE IN THE TECHNOLOGY ARENA. We love technology Pershing owned by BNY has a very hefty technology budget that we are able to leverage Paperless office Net X360 Robust research offering MAGELLAN CIRCUMNAVIGATED THE WORLD?

MYTH #4: SWITCHING BROKER DEALER’S IS IMPOSSIBLE Hard, but not impossible What is your long term business plan (short term pain long term gain)? Dedicated transition team to assist in every detail Agents typically have their best year ever SHAKESPEARE WROTE THE STORY HAMLET?

MYTH #5: I CAN’T HAVE A RELATIONSHIP WITH MY BROKER DEALER Be 1 of 300 not 1 of 10,000 Seasoned staff with years of experience We understand and love the life insurance culture EDISON INVENTED THE ELECTRIC LIGHT?

MYTH #6: BROKER DEALERS TRY TO TELL ME WHAT TO DO, WHAT TO BUY, WHAT PRODUCTS TO SELL The only recruiter that loves his compliance department We work with you as a partner We tell you what the fees are upfront No hidden costs You run your business the way you see fit AMERICA BECAME INDEPENDENT ON JULY 4, 1776?

WHAT ARE YOU LOOKING FOR IN A BD? HONESTY INTEGRITY RELATIONSHIPS GEORGE WASHINGTON WAS AMERICA’S FIRST PRESIDENT? THANK YOU