1. “Game Time” James W. Herrington CLU, CFP® Founder & Chairman January 19, 2012

4. www.fsnweb.com

6. Income 380,000 Less 140,000 Taxable Inc 240,000 Tax 57,000 Marginal 33-50% Rate Effective Rate 57 = 15% 380

10. PAYROLL TAX CUT BUSH TAX CUTS ESTATE TAXES

11. Regulatory Issues

14. Total U.S. Income$2,170,000,000,000 Reported Federal Budget$3,820,000,000,000 New Debt$1,650,000,000,000 Acknowledged National Debt$14,271,000,000,000 Recent Budget Cut$38,500,000,000 Total Annual Family Income $21,700 Total Annual Family Expenses $38,200 New Debt Added (via credit card spending) $16,500 Outstanding Credit Card Balance $142,710 Expenses Cut from Annual Family Budget $385 Total U.S. Income$2,170,000,000,000 Reported Federal Budget$3,820,000,000,000 New Debt$1,650,000,000,000 Acknowledged National Debt$14,271,000,000,000 Recent Budget Cut$38,500,000,000

15. Debt Crisis Unemployment Presidential Election Market Volatility Political Deadlock Growth Environment Recession Uncertainty

16. Robert J. Lovejoy, CPA, PFS, CFP® 1933 - 2011

17. “Game Time” James W. Herrington CLU, CFP® Founder & Chairman January 19, 2012