Retire Comfortably

1. John K. Bahr, WMS Certified Investment Management Consultant Raymond James Private Client Group 249 E NC Hwy 54, Ste. 300 Durham, NC 27713 888-228-0931 [email_address] www.MyFamilyFoundation.org Helping People Retire Comfortably

4. Your Wealth Management Team Raymond James Private Money Managers Alternative Investment Specialist Insurance Specialists Corporate Trust Services Concentrated Stock Specialist Trading and Research Client and Family John Bahr & Team Local CPA Local Attorney

8. Individual Investor Behavior Stocks Bonds Stocks Bonds Net Flows by Broad Investment Categories at Major Inflection Points in the Market Greed 2000 Fear 2002 Investors have historically added funds to asset classes that have performed well recently, often as those asset classes are taking a turn for the worse. THE RESULT: Many individuals investors buy high and sell low. Past performance does not guarantee future results. As of 12/31/02 ($ billions) Source: Investment Company Institute

14. Step 1: Discovery  Define Success We will work closely with you to: Fully Understand Where You Are Now B Clarify Where You Want To Go Our Objective : Develop a clear understanding of what is important to you and how we can help you. A For illustrative purposes only. Investing involves risk and you may incur a profit or a loss

15. Case Study: Correcting Common Mistakes: A Proven Approach to Portfolio Construction In order to manage risk to achieve long term financial goals, we follow a disciplined four step process: Step 1 Step 2 Step 3 Step 4 Diversification among different asset classes may lower overall volatility, but does not ensure a profit or guarantee against a loss. Develop a sense of the future through forward looking risk, return and correlation assumptions for different investment options Construct an asset allocation diversification approach for effective overall risk management Search for and hire best-of-class managers for our clients that have compensated investors for taking active risk Continuously monitor allocation, managers and progress towards client goals

22. John K. Bahr, WMS Certified Investment Management Consultant Raymond James Private Client Group 249 E NC Hwy 54, Ste. 300 Durham, NC 27713 888-228-0931 [email_address]