The document is a presentation by Ellis Liddell, president of ELE Wealth Management, that discusses the company's approach to financial planning and wealth management. It covers the five key areas of financial planning - personal planning, investment planning, protection planning, mortgage planning, and retirement planning. Specific topics discussed include types of investments like bonds and mutual funds, life insurance, mortgages, sources of retirement income, and types of retirement plans.

1. ELE Wealth Management Ellis Liddell The ELE Way Re-Broadcast WCHB 1200 Recorded January 6 th 2006

2. Street Beat Interview

3. ELE Wealth Management Steve Harvey Morning Show Interview Recorded 06/01/2006

4. Street Beat Interview

5. ELE Wealth Management Back to the Basics Presented By: Mr. Ellis Liddell President Securities offered through Investors Capital Corporation Member NASD/SIPC Advisory Services offered through Investors Capital Advisory 230 Broadway, Lynnfield MA 01940 800-949-1422

6. WCHB AM 1200 Mildred Gaddis

7. Mr. Ellis Liddell President, ELE Wealth Management Author of Wealth Management: Merging Faith with Finance

8. ELE Wealth Management Back to the Basics "How Real Estate Effects Retirement"

9. FIVE KEY AREAS OF Financial Planning Personal Financial Planning Investment Planning Protection Planning Mortgage Planning Retirement Planning

10. PFP Personal Financial Planning PFP (1) - Budget PFP (2) – Know Thyself PFP (3) – Net Worth

11. TYPES OF INVESTMENTS FIXED EQUITY

12. Fixed Income Bond Components Coupon Interest Yield Premium Discount Value Price Paid

13. Fixed Income Scenario $20,000 Investment GMAC – 7.75% Maturing – 2010 Selling - $985.00 Bond Prices - $1000 Increments _____________ $20, 300 – Year 2010 $1573.25 – Interest per Year $786.63 Semi- Annually $7079.63 – Total Interest Rec’d ______________ $27,379.63 – 4 ½ years *This example is hypothetical and does not represent any specific securities product and/or insurance policy. Actual results will vary. This is for information purposes only. You should consult with your attorney and accountant for legal and tax advice.

14. Mutual Funds Professional Money Managers The World Pool of Money

15. Having the Best of Both Worlds Combination Investments Guarantee* Variable *Based on the claims paying ability of the issuer

16. Cost of Inflation 1978 Coupe DeVille $9995.00 2006 Coupe DeVille $???

17. Life Insurance Risk Management Life Insurance Disability Long Term Care Savings

18. Staff Introductions & Short Break ELE Wealth Management 2000 Town Center Suite #1748 Southfield, MI 48075 248-356-6555 Fill out the Blue Sheet in your packet for a Free Consultation

19. Friend or Foe Interest Rates 0% ----> 29.9% Student Loans Credit Cards

20. Types of Mortgages Pick – A – Pay Minimum Payment Interest Only Fixed Mortgages 7, 15, 20, 30, 40

21. OUT OF EVERY 100 PEOPLE WHO REACH AGE 65…. 75 DEPEND ON FRIENDS OR CHARITY 23 CONTINUE TO WORK 2 ARE FINANCIALLY INDEPENDENT

22. Retirement Sources? What will be the Source of your Retirement Income?

23. Social Security’s Burdensome Problem 1950 16 to 1 1960 5 to 1 1984 3.3 to 1 2034 2 to 1

24. Various Types of Retirement Plans 401k Corporate 457 Government 403B TSA 408 IRA

25. Annuity Payment Options Single Life $1800.00 Joint Survivor $1440.00

26. PROS & CONS

27. Thank You We appreciate your patronage and support Questions and Answers Office Number 248-356-6555

28. ELE Wealth Management ELE Wealth Management 2000 Town Center Suite #1748 Southfield, MI 48075 248-356-6555 Wealth is Our Legacy, Pass it On