1. You’re invited to attend a very special series of
educational topics affecting your financial future.
RETIREMENT PLANNING
WEALTH & ESTATE PLANNING
INVESTMENT STRATEGIES
YOUR PARTNER IN WEALTH MANAGEMENT
23240 Chagrin Blvd, Suite 700
Cleveland, OH 44122
P: 216.378.7296
E: rudolph@hwfa.com
W: hwfa.com
FIRST CLASS
Service, Communication & Advice
Our approach is unique for each of our clients,
which is evidenced by our philosophy of a client-
centered practice.
We bring the tough questions to the table, and
you bring your goals. Together, we will find the
answers and a wealth management plan that fits
your life. We promise to always do what is in your
best interest through communication, perspective
and strategy - we believe that’s partnership.
*Securities offered through Commonwealth Financial Network. Member FINRA, SIPC.
HW Financial Advisors is a Registered Investment Adviser.
Find out why a conversation with us...
changes everything.
HW Financial Advisors
Registered Investment Adviser
HW Financial Advisors
Registered Investment Adviser

2. THESE PROGRAMS ARE COMPLIMENTARY. WE ENCOURAGE YOU TO EXTEND THIS INVITATION
TO ANY PERSONAL GUESTS THAT YOU FEEL WOULD BENEFIT FROM THESE PROGRAMS.
SEATING IS LIMITED AND RESERVATIONS ARE REQUIRED. Please contact Jan Baillie at
216.378.7239 to make your reservations or if you have any questions on our programs.
PRESENTER
Stephen L. Rudolph, MBA, CPA
Steve is the managing director of HW Financial
Advisors, a Registered Investment Adviser, and also a
Registered Representative of Commonwealth Financial
Network, Member FINRA, SIPC.
Serving in this role for over ten years, Steve has
more than 15 years experience advising high net worth individuals
in comprehensive wealth management services. He currently serves
on the Board of Directors for the Mandel Jewish Community Center of
Cleveland and is head of their Endowment Committee. Steve leads his
entire team under a client centered, conflict-free advisory philosophy.
AGENDA
Morning Sessions
8:00-8:30am Registration & Breakfast
8:30-9:30am Program
9:30-10:00am Q&A, Open Discussion
Evening Sessions
5:00-5:30pm Registration & Hors D’oeuvres
5:30-6:30pm Program
6:30-7:00pm Q&A, Open Discussion
PROGRAMS
Road Map to Retirement
This session is recommended for individuals within ten years of retirement.
• Preparation steps to pursue your desired lifestyle
• Transitioning from accumulation to distribution
• Mistakes you do not want to make before retiring
• The “fine print” of financial products being sold
Times: November 3, 2009 November 12, 2009
5:00pm - 7:00pm 8:00am - 10:00am
Managing Your Wealth in Retirement
This session is recommended for retired individuals (but open to everyone).
• Income distribution planning - help ensure you don’t outlive your assets
• Asset allocation and investment strategies
• Health and long-term care planning
• Wealth transfer strategies explained in English
• Financial products we think you should avoid
Times: November 10, 2009
5:00pm - 7:00pm
Investment Strategies
This session will help you construct an investment game plan that is right for
you and clarifies the conflicting information that you read about every day.
• Determining the right investment strategy
• Managing risk in volatile times
• The psychology of investment failures
• Have the rules of investing changed?
Times: November 5, 2009 November 18, 2009
8:00am - 10:00am 5:00pm - 7:00pm
RSVP: Jan Baillie
216.378.7239
LOCATION
Corporate College East
4400 Richmond Road
Warrensville Hts, OH
216.987.2800
(minutes off I-271 & Harvard)
HW Financial Advisors
Registered Investment Adviser