Spectrum Financial Solutions provides various financial planning and education services tailored for employers and their executives. Their services range from Level I financial plans for $3,600 to more advanced Level IV plans for $18,600. Level I plans include 5 counseling sessions, while Level IV plans include 8 sessions and acting as the client's chief financial officer. They also offer seminars on topics like asset allocation and retirement planning for $1,650 per day, plus travel costs. All services analyze cash flow, net worth, asset allocation, and other financial issues to help executives gain a greater understanding of their benefits.

1. PERSONAL & CONFIDENTIAL
SPECTRUM FINANCIAL SOLUTIONSSPECTRUM FINANCIAL SOLUTIONSSPECTRUM FINANCIAL SOLUTIONSSPECTRUM FINANCIAL SOLUTIONS
Helping to Secure the Future in a World of Risk ™
EXECUTIVE OVERVIEWEXECUTIVE OVERVIEWEXECUTIVE OVERVIEWEXECUTIVE OVERVIEW
For senior executives, the first step toward greater financial organization usually consists of an email or
telephone call to their employee benefits department. This is not surprising, since a significant portion of
an executive’s financial resources and protection are often attributable to employer provided fringe
benefits such as life and health insurance, 401K and other pensions, deferred compensation, and stock
options plans.
However, for legal and many other reasons, benefits departments may not be the ideal medium for
addressing an executive’s most pressing financial concerns. We recognize and understand the complex
financial and personal issues that face your key executives. Our members are proficient at dealing with
complicated situations and deeply committed to meeting this need.
We provide unbiased financial advice, planning, and education solutions tailored to the specific needs
of demanding employers and their executives. Our solutions, described further below, help executives
gain a greater understanding and appreciation of their company provided benefits and to integrate
these valuable benefits into their overall financial situation.
This leads to peace of mind for the executive and allows for greater devotion to their respective duties. It
also leads to fewer interruptions for the benefits department.
All planning solutions analyze the following issues: cash flow, net worth, accumulation, asset allocation,
college funding, estate & charitable planning (basic), other income needs (disability and long term care),
retirement, survivorship, tax deferral.
PRICING SCHEDULEPRICING SCHEDULEPRICING SCHEDULEPRICING SCHEDULE
ADVICE & PLANNING:
Level I - Financial & Estate Plan $3,600
Level II - Financial & Estate Plan $9,600
Level III - Financial & Estate Plan $12,500
Level IV - Financial & Estate Plan $18,600
FINANCIAL EDUCATION:
Seminars $1,650 per seminar day (plus travel cost)
Educational Articles No cost (for corporate and individual
clients)
Spectrum offers comprehensive financial education solutions tailored to the needs of employees-at-large,
executives, and expatriate employees. Our seminars are delivered in a corporate setting and can be
customized to incorporate the firm’s employee benefits offerings.

2. PERSONAL & CONFIDENTIAL
DESCRIPTION OF SERVICESDESCRIPTION OF SERVICESDESCRIPTION OF SERVICESDESCRIPTION OF SERVICES
ADVICE & PLANNING:
Level I (Level I (Level I (Level I (Offered for $3,600))))
Our Level I Plan Service is a comprehensive financial plan geared toward executives/employees who are
eligible for standard executive compensation packages. During the planning process, executives will
receive up to five personal counseling sessions with our Advisors. Meetings can be held on site or at the
executive’s home. Executives are welcome to include their spouse and/or other advisors—Attorneys,
CPAs, etc.—during the planning process.
Our Level I offering also analyzes issues surrounding deferred compensation, stock options, and more
complex Estate Planning, including Spousal Trusts and Irrevocable Life Insurance Trusts. Following plan
delivery, executives receive one personal counseling session during the following three-month period to
assist in the coordination and implementation of the executives planning decisions.
Level II (Level II (Level II (Level II (Offered for $9,600))))
Our Level II services will appeal to executives desiring on-going, hands-on advice. This offering is also
meant for those in need of more advanced Estate Planning solutions, including Family Limited
Partnerships, Charitable Foundations and Generation-Skipping Trusts, among others.
Our Advisors will meet executives at their venue of choice (travel costs may apply). Clients are welcome to
invite their immediate family, personal assistant, and other advisors—Legal and tax advisors, private
bankers, etc. Upon delivery of the plan, planning clients will receive two semi-annual personal
counseling sessions during the following twelve-month period.
Level IIILevel IIILevel IIILevel III (Offered for $12,500)
Level III services are geared for executives with substantial assets, investments, and/or advanced
planning needs. We take our clients’ entire financial situation into consideration, draft the appropriate
planning recommendations and act as a liaison with their other advisors--accountants, trust officers,
attorneys, private bankers, etc.
Level III clients will receive up to eight personal counseling sessions and unlimited telephone counseling
for 1 year, following the delivery of the plan.
Level IVLevel IVLevel IVLevel IV (Offered for $18,600)
This is Spectrum’s most advanced and personalized financial solution. Level IV services are geared for
your firm’s top executives or business owners with substantial assets, investments, and/or advanced
planning needs.
Clients will receive up to eight personal counseling sessions and unlimited counseling for one year,
following the delivery of the plan. Our members will act as the clients “CFO”, doing research and
acting as liaison between the client and his/her other advisors and product providers. Upon request, we
will hold an educational workshop for the executive, the advisors and heirs and may perform a basic
financial review for the client’s immediate family as well.
Were applicable, level IV services may also entail analyses of existing and proposed qualified and non-
qualified plans and benefits, as well as continuation planning.

3. PERSONAL & CONFIDENTIAL
PleasePleasePleasePlease Note:Note:Note:Note: Level I, II, III, and IV plans can be updated free of charge upon the death or disability of a
client and/or their spouse helping to cope during a difficult time.
DESCRIPTION OF SERVICES (cont’d)DESCRIPTION OF SERVICES (cont’d)DESCRIPTION OF SERVICES (cont’d)DESCRIPTION OF SERVICES (cont’d)
FINANCIAL EDUCATION:
SeminarsSeminarsSeminarsSeminars (Offered at $1,650 per seminar day plus travel cost)
Spectrum offers comprehensive financial education solutions tailored to the needs of employees-at-large,
executives, and expatriate employees. Our seminars are delivered in a corporate setting and can be
customized to incorporate the firm’s employee benefits offerings.
Seminars may be video taped for internal use or they can be professionally edited and converted for use
on your firm’s intranet. Both services are available for an additional fee.
Employees have the option of enrolling via Spectrum’s Web-based enrollment system and/or through
the firm’s Human Resources department.
We recommend one to two seminar-days per month for each selected location for the first six months
and then two sessions per month per location. These seminars can range in duration from 45 minutes to
half a day.
Financial Seminars cover a broad range of topics, including the following:
Asset Allocation Overview of Corporate Benefits
Caring for Aging Parents Educational Planning
Deferred Compensation Personal Risk Management
Financial Fitness Strategies Financial Fitness Strategies for Women
Planning for Ex-patriate employees Planning for Employees in Transition
Retirement Planning and Distribution Stock Options
Educational ArticlesEducational ArticlesEducational ArticlesEducational Articles (Offered at no cost)
We offer attendees timely educational articles that reinforce the material covered, as well as other topics
of interest. The articles can be of a general financial nature or can be customized to address how
employees can make the most of the benefits provided by the firm. The articles help employees enhance
their knowledge of financial planning topics; thereby giving them a greater appreciation for the benefits
provided by you firm.
Securities and Investment Advisory Services offered through Investment Adviser Representative of Jefferson Pilot Securities Corporation, a
Registered Investment Adviser. Member NASD, SIPC, Branch Office: 5 Pheasant Run Lane, Dix Hills, NY 11746 (631) 595-1700 which
offers mutual funds and other securities products. JPSC and its representatives do not offer tax or legal advice. Individuals should consult
their tax or legal professional regarding their individual circumstances. Spectrum Financial Solutions is not an affiliate of Jefferson Pilot
Securities Corporation.