Brook S. Deaver CFS, MBA The “Secret” of Financial Success GATEWAY WEALTH MANAGEMENT, INC. A REGISTERED INVESTMENT ADVISER Young Nonprofit Professionals Network of Kansas City

2 Thank You!! Thank you for the work you do and your passion for the cause

3 What should we be doing with our finances? How do we stretch/maximize our financial resources? Important Questions

4 c Secret to Financial Success…

5 …or your finances will eventually manage you Intelligently Manage Your Finances

6 Implement strategies that will help you avoid financial peril. What is financial peril? Create and Maintain a Plan

7 Death Disability Home, Possessions, Auto Loss/Damage Injury or Illness Basic Estate Planning Documents “Running Out” of Money Causes of Financial Peril that Must be Addressed

8 Self Insure Depend on a “Rich Uncle” Transfer Risk to an Insurance Company Hope (not a method) Have a Plan! Addressing Risk

9 Death No longer able to financially provide for those depending on you Causes of Financial Peril that Must be Addressed

10 Disability Your ability to generate income is one of your greatest assets. Causes of Financial Peril that Must be Addressed

11 Home, Possession, Vehicle Loss/Damage Causes of Financial Peril that Must be Addressed

12 Injury or Illness Not having enough money to pay for the cost of medical care if sick or injured Causes of Financial Peril that Must be Addressed

13 “Running out” of Money Not having enough money to get through difficult times or to sustain retirement Causes of Financial Peril that Must be Addressed

14 “Easy” Cash Flow Management Net Income [Plus Non-tax-related Deductions] Must Haves [50% Target] Savings [20% Target] Wants [30% Target] Manage to the “Wants” Number Cash Flow Management

15 Maximize the value of the employer matching dollars in the retirement plan at work Would you rather have 75 cents today or $2.00 for the future? Take Advantage of Tax Breaks and “Free Money”

16 Fear of Recession Slowing Economic Growth Volatile Markets Sub-Prime/Credit Woes Where to Invest In These “Turbulent Times”

17 Bull Markets Stocks, Bonds, Bills, and Inflation Penalty for missing the markets Handouts

18 Brook S. Deaver, CFS, MBA GATEWAY WEALTH MANAGEMENT, INC. A REGISTERED INVESTMENT ADVISER 9401 Indian Creek Parkway, Ste 470 Overland Park, Kansas Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser

19 Disclaimer Figures are past results and not indicative of future results. Markets will fluctuate and not all investments are suitable for everyone. Investments are not FDIC-insured nor are they deposits of or guaranteed by a bank or any other entity, so they may lose money. Disclaimer