1. “Ideas are the beginning points of all fortunes.”Napoleon Hill (American author, 1883-1970) Carl Raff & David Williams www.BEAdviceNow.com

2. Top 10 Common Mistakes Small Businesses Make Executing a plan to Grow, Protect & Transfer Wealth

3. The plan for many business ownersis to grow, protectand transfertheirwealth. Our goal is to identifycommonfinancialpitfallsthatjeopardizetheir plans for success. 3

4. Grow Seed/StartupIgnoringthe financialside…undercharging Venture CapitalAvoidingPlanning/Research…putting the plan on paper PrivateEquityIneffective marketing Initial Public OfferingLackof Capital for Growth 4

5. Protect AssetProtectionIf It Looks Like a Duck… Retirement PlanningDelayingProfessional advice Key Person InsuranceTryingto do it all yourself 5

6. Transfer SuccessionAvoidingdifficultdecisions Transition/SaleNot respectingemployees TaxesToo Much, TooSoon, TooLate 6

7. Business ownersdevote a large part of theirlife—time, energy, and labor—to build and runtheir business. Theyneed a plan thatacknowledges how much of theirwealth—and theirenergy—isconcentrated in their business. 7