WWMGPP - Welcome to the West Wealth Management Group

5. Biographies (cont.) GEORGE KOUTSIOUKISFinancial Advisor George assists clients with their long and short-term investment goals by creating customized financial plan and analysis. Along with Michael, George interacts regularly with each client as well as with other investment professionals, attorneys, and accountants in order to better assist his clients. George was born and raised in Greenville, SC, and graduated from the University of South Carolina with an accounting degree. He spent ten years as an accountant for private companies, and he is currently in his sixth year as a financial advisor. George participated as a 2000 Loan Executive for the United Way and is a member of various Hands on Greenville projects. CONTACT GEORGE:direct: 864.255.4548e-mail: george.koutsioukis@raymondjames.com

6. Our 4 Step Process Define Define our client�s needs and objectives. Determine their current investment mix. Define our skills and capabilities. Evaluate How does the current investment mix meet our client�s objectives? What is the relationship of return relative to the risk present in the portfolio? Does the portfolio properly address risk tolerances? Is security overlap contributing to a lack of diversification? Could a client�s objectives and needs be met better with less risk? *Diversification does not ensure a profit or protect against a loss. Investments are subject to market risk, including possible loss of principal. Propose� Present the results of current holding analysis and evaluation. Present the recommendations and proposals that will better reflect the client�s objectives and risk tolerance. Present a transition plan on how to proceed. Develop and have the client sign an investment policy statement that recaps the objectives and risk evaluations. �Monitor & Manage Communicate with the client on a regular basis, in order to maintain a clear understanding of the clients needs. Manage client assets in keeping with stated objectives and risk tolerance. Adjust the portfolio as dictated by either changed objectives or market dynamics. Measure results of investments to stated benchmarks. Meet one on one at least annually.

10. Your Unique Journey You are unique and your investment journey will be unique. We are committed to facilitating each phase of your journey and getting you from Point A to Point B with as much certainty and as little risk as possible. Define Point A Consider age, assets, liabilities, income, expenses, savings Clarify Goals Such as personal and business goals, education, retirement, estate, charitable Establish Time Line to each goal Determine Risk tolerance in terms of goals, time, and preservation vs. growth of capital

11. John and Jane Doe Family13 Wealth Management Issues

12. Determinants of Portfolio Performance

13. Why a Diversified Portfolio is Important

14. Does Re-Balancing Add Value?

17. Summary of Benefits A defined process to help you identify your lifelong goals and develop a comprehensive plan to help get you from point A to point B. Ongoing monitoring and evaluation of portfolio allocation and adherence to the comprehensive plan including rebalancing as appropriate. Commitment to client satisfaction. Commitment to the research process. Above all else, a genuine commitment to respecting you as a unique individual with unique planning needs.

18. Our 5 Value Propositions: We offer a PROFESSIONAL team-based approach. We strive for PROTECTION through diversification. We are PROACTIVE in our management. We are committed to PERSONAL communication.����We PATTERN your portfolio for performance.

21. Further information on the funds selected for the Freedom Portfolios is available by prospectus, which can be obtained through your financial advisor. Investors should carefully consider the investment objectives, risks, charges and expenses of the Freedom Portfolios before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. Additional considerations should be taken into account when considering a fee based account as an alternative to paying commissions, including the anticipated level of trading activity and use of the products and services available in the account. The quarterly advisory fee charged in the Freedom Account program is in addition to the management fees and operating expenses charged by the underlying mutual funds. These additional considerations, as well as the Freedom fee schedule, are listed more fully in the Client Agreement and the Raymond James & Associate's Schedule H which can be obtained through your financial advisor.

25. Equity Research Accolades�Performance of Stocks Recommended by Brokerages� Average Annual Returns of investment options*

27. Fixed Income Research Unbiased research provided by Moody�s Innovative solutions to fixed income management via Bonddesk Fixed Income Objectives: Diversify Portfolios Preserve Capital Offer Competitive Yields Provide Predictable Income Balance Volatility Minimize risk Provide Liquidity Assure rate of return and potentially enhance returns Provide high current income and/or tax-free income Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, proceeds may be more or less than initial investment.

28. Fixed Income Reporting PEARL- Portfolio Evaluation and Reporting, Ltd. is a blend of technology, expertise and personal service that provides you with an alternative to going it alone PEARL Services are limited to non-fee based accounts currently holding at least $500,000 in individual bonds.� These qualifying accounts are automatically part of the PEARL database PEARL Reports contain the following information: * Cover Page * Portfolio Summary * Adjusted Cost Basis (if available) * Call Features * Maturity * Monthly Cash Flow * AMT Exposure * Duration Profile * Rating Analysis * State Exposure * Coupon Rate * Glossary of Terms * Evaluation Pricing Horizon Analysis: Calculates the effects of a given interest rate and/or time change on a bond

29. Liability Management Ready Access Account enables you to borrow against the value of eligible securities for such purposes as vacations, car purchases, boat purchases etc. while continuing to receive dividends and interest Borrowing on margin and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold to meet the margin call, and the firm can sell the investor's securities without contacting them. The interest rates charged are determined by the Amount borrowed. Raymond James Bank offers competitive rates on the following types of commercial and residential lending 1st mortgage loans Home equity loans Home equity lines Helping manage both sides of the balance sheet� Bridge Loans Dual Advantage Mortgage� Commercial real estate loans Commercial loans The Dual Advantage Mortgage program is not suitable for everyone. A loan client may be at risk of losing money in their collateral account due to market volatility. This may require the deposit of additional equity into the collateral account, which could result in further losses. Though RJBank will typically contact the client or their Financial Advisor prior to liquidating pledged assets, RJBank reserves the right to sell pledged assets of its choosing without contacting the client, if needed to maintain equity in the collateral account. Trading in the collateral account is permissible provided that minimum balance requirements are maintained. If a loan client defaults (stops making monthly payments) on their mortgage, they could lose both their house and the securities they have pledged. In addition to regular closing costs, an annual fee may be charged by Raymond James & Associates, Inc. for manual administration of the pledge accounts. Please consult with your Financial Advisor for details. Products, terms and conditions subject to change. Subject to standard credit criteria. Contact Raymond James Bank (888-457-5626) for current rates and other information. Property insurance required. Flood insurance may be required. RJBank is Member FDIC.

30. Alternative Investments Group The Alternative Investments Group offers investors well researched, high- quality investment opportunities that have the potential to provide long- term attractive returns through a variety of market environments. Past performance is no guarantee of future results however the selective addition of alternative investments have historically demonstrated lower correlation to traditional markets which may: Reduce overall portfolio volatility through diversification  Increase long-term portfolio performance through a variety of market conditions Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments or other similar strategies if you do not require a liquid investment and can bear the risk of substantial losses. There can be no assurance that any investment will meet its performance objectives or that substantial losses will be avoided.

31. Summary of Benefits A defined process to help you identify your lifelong goals and develop a comprehensive plan to help get you from point A to point B. Ongoing monitoring and evaluation of portfolio allocation and adherence to the comprehensive plan including rebalancing as appropriate. Commitment to client satisfaction. Commitment to the research process. Above all else, a genuine commitment to respecting you as a unique individual with unique planning needs.

33. Investment Process II

35. Service Commitment 20:3020:30

36. Keys to our Relationship