1. WE ARE DIFFERENT Securities offered through Raymond James Financial Services Inc. Member FINRA/SIPC and are Not deposits, Not insured by FDIC or any governmental agency, Not guaranteed by the financial institution, Subject to risk, May lose value Raymond James Financial Services Inc. is independent of Christopher Financial Group

2. “ Facts are stubborn things; and whatever may be our wishes, our inclinations, or the dictates of our passions, they cannot alter the state of facts and evidence” John Adams

6. Independence is... in·de·pen·dent Function: adjective Date: 1611 (1) :not subject to control by others (2) : not affiliated with a larger controlling unit Webster’s dictionary defines

8. - Accumulate wealth I am most often asked how to: - Preserve your wealth - Minimize your taxes

9. How effective has the mainstream approach been at accomplishing your goals ?

11. January, 1990 March, 2000 S&P 500 Index The Standard & Poor’s index (S&P 500) is an unmanaged index generally representative of the U.S. stock market without regard for company size.

13. * The Standard & Poor’s Stock Index (S&P 500) is an unmanaged index generally representative of the U.S. stock market without regard for company size and cannot be invested in directly S&P 500 Index March, 2000 October, 2002

17. * The Standard & Poor’s Stock Index (S&P 500) is an unmanaged index generally representative of the U.S. stock market without regard for company size and cannot be invested in directly **Past Performance is no assurance for future results. The market for all securities is subject to fluctuation, including possible loss of principal S&P 500 Index October 9th 2002 March 9th 2007

18. “ It’s deja vu all over again” Yogi Berra

20. * The Standard & Poor’s Stock Index (S&P 500) is an unmanaged index generally representative of the U.S. stock market without regard for company size and cannot be invested in directly **Past Performance is no assurance for future results. The market for all securities is subject to fluctuation, including possible loss of principal S&P 500 Index March, 2007 October, 2009

22. How does the mainstream explain what happened?

24. From the home office The top 5 myths from mainstream advisors 5) Buy and Hold. You have to experience the downs to experience the ups in the market 4)The Market is “On Sale” we should buy more 3) “I only diversify my portfolio I won’t get hurt” 2) “I only buy Blue Chip Stocks, I won’t get hurt” 1) “It was the Perfect storm, it was a once in a lifetime event. It will not happen again” *Asset allocation and diversification provide no protection from loss. **Past performance is no assurance for future results. ***The market for all securities is subject to fluctuation, including possible loss of principal. ****No investment strategy can protect against losses or assure profits.

26. “ Those who cannot remember the past are doomed to repeat it” George Santayana

27. Lets look at some Statistics

32. How does the mainstream deal with Bear markets?

34. How do real fee-based advisors handle Bear Markets?

37. How We Manage Risk -Trend Based Technical Analysis -Trailing Stop Losses -Investment Selection with Strict Position Sizing

40. What is Trend Following? Trend following From Wikipedia, the free encyclopedia In finance trend following is an investment strategy that tries to take advantage of long-term moves that seem to play out various markets. The system aims to work on the market trend mechanism and take benefit from both sides of the market enjoying the profits from the ups and downs of the stock or futures markets. Traders who use this approach can use current market price calculation, moving averages and channel breakouts to determine the general direction of the market and to generate trade signals. Traders who subscribe to a trend following strategy do not aim to forecast or predict specific price levels; they simply jump on the trend and ride it.

41. Original point and figure chart circa 1800’s Charles Dow

42. Point & Figure Basics X’s = Price is rising O’s = Price is falling Alternate columns of X’s and O’s Minimum of 3 X’s or O’s in a column Time = First action in month use number. (1 for January, etc.) Use daily high & low for charting price action. © Dorsey, Wright & Associates 2009 Chart Source: www.dorseywright.com

43. © Dorsey, Wright & Associates 2009 Chart Source: www.dorseywright.com

44. Citigroup (C) © Dorsey, Wright & Associates 2009 Did the fundamental analysts learn from the 2000-2002 Technology Bubble? The following is a quote from the February 9 th New York Times article, “Why Analysts Keep Telling Investors to Buy” “ At the top of the market, they urged investors to buy or hold onto about 95 percent of the time. When stocks stumbled, they stayed optimistic. Even in November, when credit froze, the economy stalled and financial markets tumbled to their lowest levels in a decade, analysts as a group rarely said sell. “ Chart Source: www.dorseywright.com

45. © Dorsey, Wright & Associates 2009 Chart Source: www.dorseywright.com

46. © Dorsey, Wright & Associates 2009 Chart Source: www.dorseywright.com

47. Trend Following Technical Analysis can be used for: -Common stocks -Mutual funds -Exchange traded funds

49. A complex stop-loss order in which the stop is set at some fixed percentage below the market price. If the market price rises, the stop loss price rises proportionately, but if the stock price falls, the stop loss price doesn't change. This technique allows an us to set a limit on the maximum possible loss without setting a limit on the maximum possible gain. A trailing stop helps preserve profits while providing downside management. We employ trailing stop losses set between 7% and 10% of the last high close. Example- XYZ is purchased for $55 per share. Stop loss is set at $51.15 Trailing Stop Losses

50. Summary “ Buy and Hold” Does not work! “ Blue Chips” Did not work “ I Only Diversify” Does not work What works? Trend Following Technical Analysis Trailing Stop Losses Investment Selection with strict Position Sizing

51. How we keep you organized

53. Your updated financial status is automatically integrated into your comprehensive financial and estate plan, continuously providing you with a meaningful, up-to-date analysis. We give you the ability to organize all your advisors and assets and consolidate them in the same place at the same time. Imagine a single platform through which all your financial matters may be managed. Your assets. Your private documents. Your financial and estate plan. Your retirement and cash flow models.

55. the information contained in this presentation does not purport to be a complete description of the securities, markets, or developments referred to in this material. the information has been obtained from the sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. any opinions are those of CFG and not necessarily those of RJFS or Raymond James. expression of opinion are as of this date and are subject to change without notice. investments mentioned may not be suitable for all investors. past performance may not be indicative of future results. you should discuss any tax or legal matters with the appropriate professional. inclusion of all indexes is for illustrative purposes only. keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs and fees, which will affect actual investment performance. individual investor’s results will vary. past performance does not guarantee future results.