Basic principles on financial security.

1. Welcome Four Steps to Financial Success Financial Management for 1099’s FocusOn ®

2. Disclosure Northwestern Mutual Financial Network Northwestern Mutual Financial Network is the marketing name for the sales and distribution arm of The Northwestern Mutual Life Insurance Company (NM), Milwaukee, WI (life insurance, annuities, and disability income insurance) and its subsidiaries and affiliates. Securities offered through Northwestern Mutual Investment Services, LLC (NMIS), a wholly owned company of NM and a member of the NASD and SIPC. Northwestern Long Term Care Insurance Company, Milwaukee, WI (long-term care insurance), a subsidiary of NM.

5. Top Insurance Concerns for Individuals 1. Medical insurance 2. Disability income insurance 3. Life insurance PROTECT WHAT YOU HAVE

8. Three Critical Life Insurance Questions 1. How much do I need? 2. What type of policy? 3. Who gets the money? PROTECT WHAT YOU HAVE

10. Cash Management Process TAKE CONTROL OF YOUR CASH FLOW 1. Assess your current situation 2. Build a cash reserve 3. Pay down your credit cards

13. Long-Term Bucket 401(k) SEP Mutual Funds Life Insurance Any Amount Any Amount 59 ½, 45k, Tax + 10% 59 ½, 15k Tax + 10%, Rules No /Yes Yes Yes Yes Volatile __ __ __ __ __ __ Take Grow Make

14. 6 Steps to Financial Success Steps to Financial Success 1. PROTECT WHAT YOU HAVE 2. TAKE CONTROL OF YOUR CASH FLOW 3. INVEST WISELY 4. MANAGE YOUR TAXES 4

15. Taxes Are Not Equal Source: Joint Economic Committee, U.S. Congress, 2004 53.8% of federal income taxes are paid by the wealthiest 5% of taxpayers. The wealthiest 5% are households with over $126,525 in adjusted gross income. 53.8% MANAGE YOUR TAXES Source: Congressional Joint Economic Committee, 2003 The top 25% are households with adjusted gross incomes over $56,085. The top 25% of taxpayers pay 83% of all federal income taxes . 83% Ta xe s Are Not Equal

18. Thank You Thank You