1. The Economy: This Time It Is Different A Lecture on Why and What to do Now Jeff Burrow, CFP ® Wealth Advisor Jason Gordo, CRPS ® Wealth Advisor Valley Wealth, Inc. is an SEC Registered Investment Advisor

2. How We Got Here Credit Markets / Lending Standards Financialization Subprime Lending / Subprime Crisis American Capitalism is Powered by Credit PLUS, Oil, War, Cyclical Downturn, American Lifestyle, etc.

3. Attempted Solutions So Far “ Injections” of Capital Worldwide FDIC Insurance Raised to $250,000 Federal Reserve Lowered Interest Rates Emergency Economic Stabilization Act of 2008 $700 Billion Troubled Asset Relief Program (TARP) The $800 Billion / $1 Trillion “Obama” Stimulus Plan

4. Big Budget Events WWW.CNBC.COM

5. Big Budget Events WWW.CNBC.COM $98 Billion

6. Big Budget Events WWW.CNBC.COM $237 Billion

7. Big Budget Events WWW.CNBC.COM $256 Billion

8. Big Budget Events WWW.CNBC.COM $500 Billion

9. Big Budget Events WWW.CNBC.COM $597 Billion

10. Big Budget Events WWW.CNBC.COM $698 Billion

11. Big Budget Events WWW.CNBC.COM $851 Billion

12. Big Budget Events WWW.CNBC.COM $3.6 Trillion

14. Average is not normal WWW . BEHAVIORGAP . COM

15. LAST 80 THE YEARS THE STOCK MARKET WWW . BEHAVIORGAP . COM

16. AVERAGED 10 % WWW . BEHAVIORGAP . COM

17. WWW . BEHAVIORGAP . COM

18. Average is not normal WWW . BEHAVIORGAP . COM

19. those 80 during years WWW . BEHAVIORGAP . COM

20. ANNUAL LIKE RETURNS LOOKED THIS WWW . BEHAVIORGAP . COM

21. WWW . BEHAVIORGAP . COM 34 38 -13 -28 -43 -8 56 5 44 33 34 28 3 -7 -10 16 29 21 38 -6 4 2 20 30 20 14 1 50 25 8 -10 45 13 1 27 -10 21 16 14 -9 28 14 -10 1 16 17 -18 -28 38 27 -3 8 24 33 -3 21 23 5 32 17 2 18 29 -6 35 10 11 0 37 21 31 24 24 -11 -11 -21 32 12 6 15

22. WWW . BEHAVIORGAP . COM

23. HOW MANY OF THOSE RETURNS WWW . BEHAVIORGAP . COM

24. BETWEEN WERE WWW . BEHAVIORGAP . COM

25. 9 11 AND WWW . BEHAVIORGAP . COM %

26. OR EVEN CLOSE TO: average WWW . BEHAVIORGAP . COM

27. WWW . BEHAVIORGAP . COM 34 38 -13 -28 -43 -8 56 5 44 33 34 28 3 -7 -10 16 29 21 38 -6 4 2 20 30 20 14 1 50 25 8 -10 45 13 1 27 -10 21 16 14 -9 28 14 -10 1 16 17 -18 -28 38 27 -3 8 24 33 -3 21 23 5 32 17 2 18 29 -6 35 10 11 0 37 21 31 24 24 -11 -11 -21 32 12 6 15

28. WWW . BEHAVIORGAP . COM

29. 2 OUT OF 80 WWW . BEHAVIORGAP . COM

30. WWW . BEHAVIORGAP . COM Average is not normal

31. SO YOU MAY BE PLANNING ON WWW . BEHAVIORGAP . COM

32. WWW . BEHAVIORGAP . COM

33. WWW . BEHAVIORGAP . COM

34. REALITY YOU WILL IN EXPERIENCE WWW . BEHAVIORGAP . COM

35. WWW . BEHAVIORGAP . COM

41. 1/3 Equities & Fixed Income US Stocks International Stocks Small Cap Stocks Municipal Bonds Corporate Bonds Mid-Cap Stocks

42. 1/3 Real Estate Multi-Family Housing Office Buildings Retail / Shopping Real Estate Related Securities Hospitality Warehouse / Industrial International Real Estate

43. 1/3 Alternative Assets Precious Metals Commodities Currencies Long / Short Equity Convertible Bonds Managed Futures Sector Rotation Opportunistic/Distressed Debt Natural Resources Special Situations Merger Arbitrage Treasury Inflation Protected Securities (TIPS)

44. Easy Plan Steps to a Better Life

45. E valuate What You Own and Why You Own It

46. A mount of Money You Need Monthly

47. S olve Your Risks and Shortfalls

48. Y our Spot on the Wealth Scale™ Bill Gates You

49. P osition Your Assets for True Diversification Liquidity Growth Income Inflation Protection Split Portfolio Into Three Parts

50. L eave the Jones’ Behind Financial Advice From Jones’

51. A nalyze Your Progress

52. N ever Forget the Fundamentals

53. There is an Easy Plan E valuate What You Own and Why You Own It A mount of Money You Need Monthly S olve Your Risks and Shortfalls Y our Spot on the Wealth Scale ™ P osition Your Assets for True Diversification L eave the Jones’ Behind A nalyze Your Progress N ever Forget the Fundamentals

55. 1101 Sylvan Avenue. Suite B-6 Modesto, CA 95350 Phone Web (209) 579-5900 www.valleywealth.com Jeffrey S. Burrow, CFP ® Wealth Advisor [email_address] Jason M. Gordo, CRPS ® Wealth Advisor [email_address]