1. Revised 2/27/03 2324A CHEEK-SPARGER RD. BEDFORD, TEXAS 76021 817-267-9480 METRO 800-242-9480 817-283-1772 FAX 2324A CHEEK-SPARGER RD. BEDFORD, TEXAS 76021 817-267-9480 METRO 800-242-9480 817-283-1772 FAX Welcome Joy D. Kirsch is a registered representative of and securities, investment advisory services, and financial planning are offered through LPL Financial, A Registered Investment Advisor, Member FINRA/SIPC tracking # 396177

2. Revised 2/27/03 The TruWealth® Process Components TWP = IP + IC + AP + RM Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC

3. Revised 2/27/03 Tru Wealth ® Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC Discovery Meeting Defining Your Values & Goals Mutual Commitment Mtg Value Presentation & Engagement The TruWealth® Strategic Plan Financials, Retirement, Wealth Protection & Goals The TruWealth® Strategic Plan Cash Flow Workbook, Investments & Taxes Organization Meeting Paperwork & WMS Training The TruWealth® Checkups Advanced Planning & Progress Checkups Investment Overview Overview of Alternatives Annually Process The

4. Revised 2/27/03 The Concierge Wealth Management Experience™ Components CWME = TruWealth® Process + Specific Investment Recommendations + Implementation + Monitoring + Rebalancing Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC

5. Revised 2/27/03 The Concierge Wealth Management Experience ™ Discovery Meeting Mutual Commitment Meeting Presentation of The TruWealth ® Strategic Plan Investment Overview Advanced Planning & Wealth Management Solutions Training Income & Investment Plan Overview Data Input & Review; Development of The TruWealth ® Strategic Plan Meetings with the Advanced Planning Team Creation of Mind Map & Value Proposal Organization Meeting Paperwork Preparation & Client WMS Training Ongoing Money Management & Personalized Recommendations Design & Implementation of Personalized Products & Solutions

6. Revised 2/27/03 Kirsch & Associates Our Firm & Mission Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC

7. Revised 2/27/03

11. Money Management (Growth Bucket) (Fee Based Service) Active Asset Class Rebalancing Individual Money Managers Of Managers Portfolios Of Individual Stocks and/or Bonds Portfolios Of Mutual Funds and/or ETF’s (Commission Based Products) Products Without Active Rebalancing Mutual Funds AnnuitiesREITS Individual Stocks & Bonds Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC

12. Revised 2/27/03 The Concierge Wealth Management Experience™ The TruWealth® Process PLUS: Discovery & Identification of Risk Profile Design & Implementation of Portfolio Rebalancing Ongoing Monitoring & Investment Changes Customer Service Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC

13. Revised 2/27/03 Retirement Cash Flow GROWTH BUCKET 14+ Years of Expenses & Accumulation Goals Money Management MODERATE GROWTH BUCKET 4-13 Years of Expenses Money Management INCOME BUCKET 1-3 Years of Expenses Laddered securities with principal guarantees GUARANTEED CASH FLOW - ( Required Expenses) Social Security Employee & Personal pensions Bank Account

14. Revised 2/27/03