1. Preserving Your Knowledge & Experience for Future Generations Presented by: David S. Richmond, CLU®, ChFC® Chairman & Chief Investment Officer Richmond Brothers Financial Management Specialists, Inc.

2.  Richmond Brothers is a licensed Investment Advisor Representative in the states of Arizona, Colorado, Florida, Iowa, Kentucky, Michigan, North Carolina, Ohio and Texas  Licensed to sell securities, annuities & insurance  Richmond Brothers Financial Management Specialists, Inc. offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC  Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor Disclosures

3.  Richmond Brothers offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC.  The broker/dealer for Midland National’s variable products is Sammons Securities Co. Sammons Securities Co. is a registered broker/dealer under the Securities Exchange Act of 1934.  Sammons Securities Co. is an indirect wholly owned subsidiary of Sammons Enterprises, Inc., of Dallas, Texas, the ultimate parent company of Midland National. Disclosures

4.  This is not intended to be a sales seminar. The purpose of this Webinar is to provide you with general information on legacy planning  There will be an opportunity to schedule an appointment for an individual consultation at the end of this Webinar which may result in a recommendation of specific financial products that may help you achieve your financial goals  There is no obligation to schedule an appointment or purchase a product Disclosures

5. Agenda  8 th Habit Video  Why Would You Preserve Your Legacy?  How & What to Capture  Q & A Session

6. 8 th Habit: To Leave A Legacy  Book written by Stephen R.Covey

7. To live, to learn, to love… TO LEAVE A LEGACY

8. To Live  If you are 50 years old –Life expectancy of 79.6 years –Have over 50% of your life to live  If you are 65 years old –Life expectancy of 83.4 years –Have 25% of your life to live  If you are 80 years old –Life expectancy of 88.9 years –About a decade left to live Sources: CDC -- Health, United States, 2006 Health, United States, 2006Health, United States, 2006

9. People Who Became Famous After Age 50 Source: http://wikipedia.org http://wikipedia.org Ray Kroc, bought McDonald’s at age 59 (a small business at the time) Benjamin Banneker, published six Farmer’s Almanacs beginning at age 61 Maggie KuhnMaggie Kuhn, activist and founder of the Gray Panthers at age 65 “Speak your mind even if your voice shakes.” Maggie Kuhn Clara PellerClara Peller, Wendy’s spokeswoman, famous for her "Where's the Beef?" catch-phrase (at age 81) Clara Peller Mae LabordeMae Laborde, began acting in her 90s Mae Laborde Abraham Lincoln, elected President at age 51

10. To Learn SUCCESSKNOWLEDGEACTION + =

11. To Love “To the world you might be one person but to one person you might be the world.”-Anonymous www.simpletruths.com

12. SUCCESSKNOWLEDGEACTION + = Remember:

13. Take Action  Create the material –Keep a best practices journal  What’s important to you  What made you who you are –Sections on career, money, family, random thoughts  Someday your children will be ready for your guidance

14. We don’t remember days in our lives but rather, moments in time Final Thought

15. Question & Answer Session We welcome your questions at this time

16. Thank You! Please e-mail Kira@richmondbrothers.com with any feedback Kira@richmondbrothers.com