The document summarizes the services provided by Four Corners Wealth Management Group, a financial advisory firm affiliated with Raymond James. It outlines their team-based "Four Corners" process for wealth management which includes discovery of a client's goals, design of a customized plan, implementation of solutions, and ongoing monitoring. It also describes additional advisory solutions the firm offers related to areas like estate planning, education planning, insurance, and fixed income. Account features and technologies that provide clients access to their portfolio and statements are also summarized.

1. Individual Solutions from Independent Advisors

6. Four Corners Wealth Management Group Our Team Sean C. Suarez, WMS, Financial Advisor, Wealth Management Specialist Member of Institute of Investment Management Consulting Ann Whigham, Operations Manager Grace Katich, Sales Assistant

8. Our “Four Corners” Team You and Your Family Sean C. Suarez, Ann Whigham Grace Katich Home Office Wealth Management Team Investment Consulting Alternative Investment Specialist Life Insurance Specialists Fiduciary Trust Specialists Lending and Cash Management Specialist Local CPA Local Estate Attorney Long-Term Care Specialist Mutual Fund Research Team Concentrated Equity Specialist

10. Our “Four Corners” Process 4. Manage 3. Implement 1. Discover 2. Design

14. Sample Retirement Plan

16. Sample Portfolio Implementation

17. DISCLOSURES- FREEDOM ACCOUNT

19. Monitor Plan & Portfolio Are they still in Alignment?

20. Wealth Management Solutions

21. BEHAVIORAL MANAGEMENT Provide DISCIPLINED Advice – Don’t let emotions dictate financial decisions “ Investors who cannot master their emotions are ill-suited to profit from the investment process.” – Benjamin Graham

22. Investor Returns vs. S&P 500 - Why the Distinction? There is no assurance that past trends will continue into the future. The effects of any updates released after the period shown are not reflected in this Data. Past performance does not guarantee future results. *Source: “Quantitative Analysis of Investor Behavior” Report, 2007 Update, Dalbar, Inc. Source: Callan Associates. Data as of 12/31/07

23. Cycle of Market Emotions Fear Desperation Panic Capitulation Despondency Depression Hope Relief Optimism Optimism Excitement Thrill Euphoria Anxiety Denial

24. Individual Investor Behavior As of 12/31/02 ($ billions). Source: Investment Company Institute. There is no assurance that past trends will continue into the future. Net Flows by Broad Investment Categories at Major Inflection Points in the Market 2000 2002 Stocks Stocks Bonds Bonds Investors have historically added funds to asset classes that have performed well recently, often as those asset classes are taking a turn for the worse.

25. Asset Class - Winners and Losers This art is for illustrative purposes only and not indicative of any investment. • An investment cannot be made directly in an index.Past performance is no guarantee of future results. March 1, 2006 • Source: Created by Raymond James using Ibbotson Presentation Materials © 2006 Ibbotson Associates, Inc. All rights reserved. Used with permission.

27. Volatility of Portfolio Returns Asset allocation decisions are among the most important factors affecting total portfolio volatility. Factors in Portfolio Volatility Asset Allocation Decisions 91.5% Market Timing 1.8% Stock Selection 4.6% Other 2.1% 8.5% Source: Brinson, Singer and Beebower (1991) Fiftieth percentile mutual fund returns can be attributed to its investment discipline Asset Allocation does not ensure profit and does not guarantee against losses.

30. Additional Advisory Solutions

38. Account Features & Communications

39. Client Statements

43. 1301 Riverplace Blvd., Suite 1900 Jacksonville, FL 32207 904-858-4100 • 800-363-9652 www. fourcornerswealth .com Four Corners Wealth Management Group