1. Good <morning, afternoon, evening>
Good <morning, afternoon, evening>. My name is Mary Ann Herrmann, and I’m a representative of Dergalis Associates. Our company administers the Agent Benefits Program, which provides you with benefit and financial services.

2. The Agent Benefits Program offers you a wide variety of financial services and insurance products designed to protect your income, your health and your future. These are all really great offerings, and if you have any questions, I would be happy to discuss them with you at the end of the presentation. 2

3. The Automatic Contribution Program was created to provide real estate agents with a structured savings plan for taxes and retirement. The program has helped agents across the country plan for the future they’ve envisioned; it has also helped them manage the future they didn’t expect.

4. The Problem
Real estate agents have historically struggled to set aside money for both quarterly taxes and retirement when faced with issues like commission volatility and lack of time.
The Problem. Real estate agents have historically struggled to set aside money for both quarterly taxes and retirement when faced with issues like commission volatility and lack of time. Saving money consistently is hard. It’s even harder when your commissions aren’t consistent. Add in the extra hours of work you put in as a deal is going through, and it’s not surprising that saving money is an issue.

5. The Strategy
Our Automatic Contribution Program addresses these problems by:
Providing agents with a structured savings plan
Saving money ONLY when you make money
Guiding you in choosing the percentage of each commission check to
be allocated to your mutual fund from Putnam Investments
Having your realty company handle the transfer
Automatically setting you up to save with minimal effort
The automatic contribution portion of the Tax Payment Program is not provided through AXA Advisors or AXA Network. All contributed funds are invested in a money market mutual fund through AXA Advisors, LLC. An Investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a mutual fund. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.
The Strategy. Our Automatic Contribution Program addresses these problems by providing agents with a structured savings plan. We set you up with a money market mutual fund through Putnam Investments in your name, and a percentage of your commission check is allocated into the fund when you get paid. That means that you’re saving money only when you make money. This is a consistent way to save money that has the flexibility to meet the needs of real estate agents. We then guide you in choosing the percentage of each commission check to be deposited into your account. This percentage can be adjusted if you find you’re saving too much or not enough. Your realty company handles the transfer, and you’re automatically set up to save with minimal effort.

6. Tax Savings Plan Automatic contribution available
A money market mutual fund from Putnam Investments, which can
be used to pay your quarterly tax obligations
Free checking
Unlimited checkwriting
No minimum balance requirement
Full information available upon request
The automatic contribution portion of the tax payment program is not provided through AXA Advisors or AXA Network. All contributed funds are invested in a money market mutual fund through AXA Advisors, LLC. An Investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a mutual fund. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.
Our first offering as part of the Automatic Contribution Program is the Tax Savings Plan. Through AXA Advisors, LLC, we set up a money market mutual fund through Putnam Investments, which can be used to pay your quarterly tax obligations. The account has free checking, unlimited check- writing privileges and no minimum balance requirement.

7. Retirement Savings Plan
Automatic contribution available
Rollover options from previous employer plans available
IRA & Roth IRA
SEP & Uni-401(k) Plans
Defined Benefit Plans
We also offer as part of the program retirement planning options. We can help you choose the plan that’s right for you, whether a traditional IRA or Roth IRA, SEP or Uni-401(k) Plan. We can also help you with a rollover from a previous employer plan.
The Retirement Savings Plan is not an employer-sponsored qualified retirement plan.

8. Your Representative Evan Press CFP® Retirement Planning Specialist
Evan C. Barrett CFP®, ChFC ®,CLU, RICP
Retirement Planning Specialist
P: (818)
F: (866) E:
thepacificgroup.com
Evan Press CFP®
Retirement Planning Specialist
P: (818)
F: (866) E:
thepacificgroup.com
Financial Professionals of Dergalis Associates offer securities through AXA Advisors, LLC (NY, NY ) member FINRA, SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuities and individual life, disability income, and long-term care insurance policies through AXA Network, LLC, which conducts business in CA as AXA Network Insurance Agency of California, LLC, in UT as AXA Network Insurance Agency of Utah, LLC, in PR as AXA Network of Puerto Rico, Inc. All AXA Advisors/AXA Network offerings are entirely voluntary and individually provided through a Financial Professional. “CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the CERTIFIED FINANCIAL PLANNER Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP® Board’s initial and ongoing certification requirements. All AXA Advisors/AXA Network business is conducted under the d/b/a name of Dergalis Associates, which is not owned or operated by AXA Advisors or its affiliates. PPG (11/16)(Exp 11/18)
On your sheets, please check off any products that you’d like more information about. My contact information is here if you think of any additional questions you would like me to answer. I’ll be here for the next 20 minutes to answer any questions you have now. Thank you for your time today.