1. <Logo>
www.coach4retirees.com
WhatDoesRetirementLookLikeTo You?
Travel
BuyaSummerhome
Live on a lake
Pay for mygrandkid’s
college education
Donatetomyfavorite
charity
Provide for my spouse
Having enough money to retire comfortably
Atime-segmentedapproachtoretirementTime-segmented distribution is a process that divides your retirement assets among
different investments that each have a specific time horizon to help provide a lifetime of
income during your retirement years.
NextPhase™ may employ the use of variable annuities, which are long-term investments subject to market risk and may lose value.
For more information on NextPhase™ and how it can help in
your retirement planning contact us:
Coach4Retirees, Inc.
Cliff Cashman, John Zerbee and Joe Zerbee
2322 Broad Avenue Altoona, PA 16601
Offices in: Altoona, Muncy and Towanda
Phone: 800-722-0610
clifford.cashman@securitesamerica.com
4%
How much annual
income can your
retirement portfolio
provide?
Takeouttoomuchand
you might run out of
money,takeouttoolittle
and you might not be
enjoying your retirement
yearstothefullest.
NextPhaseTM
RETIREMENT INCOME PLANNING PROCESS

2. Securities offered through Securities America Inc., Member FINRA/SIPC and advisory services offered through Securities America
Advisors, Inc. Cliff Cashman, John Zerbee, and Joe Zerbee, Representatives. The Cashman Financial Group Inc. and the Securities
America companies are independent entities and are not affiliated. Coach 4 Retirees is a division of The Cashman Financial Group, Inc.
Securities America and its representatives do not provide tax or legal advice; therefore it is important to coordinate with your tax or legal
advisor regarding your specific situation. 8/16
Mutual Funds and Variable Annuities are investments involving risk and are offered by prospectus only. Before investing, investors should carefully
consider the investment objectives, risks, charges and expenses of the investment and its underlying investment options. The prospectuses contain
this and other important information. Please contact the investment company to obtain the prospectuses. Please read the prospectuses carefully
beforeinvestingorsendingmoney.•TheNextPhasePlanningProcessmakescertainassumptionsfortherateofinflation.Theactualrateofinflationyouexperienceduringyour
retirementyearscouldbemoreorlessthentheassumptionusedintheplanningprocess.•ThegoaloftheNextPhasePlanningProcesswhenprovidingan“IncomeDesignedtoLast
YourLifetime”isbasedoncurrentdataavailableandassumesaveragelifeexpectanciesforyourlifetime.Duetochangesinhealthcare,longerlifeexpectanciesandyourindividual
situation it is possible to outlive the plan.Annuities are long term investments designed for retirement purposes.Withdrawals of taxable amounts are subject to income tax, and, if taken
prior toage59½,a 10%federal taxpenaltymayapply.Earlywithdrawals maybe subjectto withdrawal charges.Thepurchaseof avariableannuity isnot required for,andisnot a
termof,theprovisionofanyfinancialserviceoractivity.•Purchaseofanannuitycontractthroughaqualifiedplandoesnotprovideanyadditionaltax-deferralbenefitsbeyondthose
alreadyprovidedthroughtheplan.Ifyouarepurchasinganannuitycontractthroughaplan,youshouldconsiderpurchasingitforitsdeathbenefit,annuityoptions,andothernon-tax-
relatedbenefits.•Guaranteedmonthlyincomeisbasedoncurrentvaluesaswellasthetermsandconditionsoftheannuitycontractoroptionalrider.Theseadvantagescanonlybe
fullyrealizedifyoufollowthebenefit’srulesandholdannuitythroughsurrenderperiod.•Guaranteesincludingoptionalbenefitsmayhaveanextrafeeandaresubjecttoexclusions,
limitations,reductionsofbenefitsandtermsforkeepingtheminforce.Yourlicensedfinancialprofessionalcanprovideyouwithcompletedetails.•Thebenefitpaymentobligations
arising under the annuity contract guarantees, rider guarantees, or optional benefits and any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability
oftheissuinginsurancecompany.Thosepaymentsandtheresponsibilitytomakethemarenottheobligationsofthethirdpartybroker/dealerfromwhichtheannuityispurchasedor
anyofitsaffiliates.•Allinvestmentsinvolvetheriskofpotentialinvestmentlosses.Investmentsinmodelstrategieshaveadditionalmanagementfeesandexposetheinvestortothe
risksinherentwithinthemodelandthespecificrisksoftheunderlyingfundsdirectlyproportionatetotheirfundallocation.•Assetallocationdoesnotguaranteeaprofitorprotection
from losses in a declining market.•Investments are not FDIC or insured,not Bank Guaranteed and May LoseValue.•Securities offered through SecuritiesAmerica,Inc.,Member
FINRA/SIPC,John Doe,Registered Representative.Advisory Services offered through SecuritiesAmericaAdvisors,Inc.,John Doe,InvestmentAdvisor Representative.Advisor’s Branch
Address:Address,City,STATE00000.DBAandtheSecuritiesAmericacompaniesarenotaffiliated.NextPhase™isatrademarkofSecuritiesAmerica.©Copyright2006Securities
America.All Rights Reserved.