The Astorino Financial Group Putting Clients FIRST! Securities and Advisory services offered through...

The Astorino Financial Group Putting Clients FIRST! Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC.FINRASIPC Financial Planning offered through The Astorino Financial Group, A Registered Investment Advisor

Who is LPL Financial? LPL Financial was founded with a pioneering vision to help entrepreneurial financial advisors establish successful businesses through which they could offer truly independent financial guidance and advice. LPL Financial was founded with a pioneering vision to help entrepreneurial financial advisors establish successful businesses through which they could offer truly independent financial guidance and advice. LPL Financial was formed in 1989 through the merger of two small but successful brokerage firms, Linsco (established in 1968) and Private Ledger (founded in 1973). LPL Financial was formed in 1989 through the merger of two small but successful brokerage firms, Linsco (established in 1968) and Private Ledger (founded in 1973). By merging these two companies, the founders of LPL Financial sought to create a formidable alternative to Wall Street firms, one where financial advisors could build highly competitive businesses while always doing what was right for their clients. By merging these two companies, the founders of LPL Financial sought to create a formidable alternative to Wall Street firms, one where financial advisors could build highly competitive businesses while always doing what was right for their clients.

LPL Key Facts $2.7 billion in revenue 11,000 affiliated financial advisors $2.7 billion in revenue 11,000 affiliated financial advisors 5,475 branch offices Service to over 725 financial institutions 5,475 branch offices Service to over 725 financial institutions 2,600 employees with headquarters in Boston, Charlotte, and San Diego 2,600 employees with headquarters in Boston, Charlotte, and San Diego $282 billion in assets under management $282 billion in assets under management $79 billion in assets under management in LPL Financial's fee-based (advisory) platforms $79 billion in assets under management in LPL Financial's fee-based (advisory) platforms LPL Financial is one of the nation's leading diversified financial services companies and the largest independent broker/dealer supporting more than 11,000 financial advisors nationwide.* * As reported in Financial Planning magazine 19962008 based on total revenues.

Astorino Financial Group: Services offered Through LPL Unlike many other brokerage firms, LPL Financial does not develop its own investment products, enabling the firms investment professionals to offer financial advice free from broker/dealer inspired conflicts of interest. Unlike many other brokerage firms, LPL Financial does not develop its own investment products, enabling the firms investment professionals to offer financial advice free from broker/dealer inspired conflicts of interest. Portfolio Review Tool (PRT) Account View WealthVision Strategic Asset Management (SAM) Optimum Market Portfolio (OMP) Personal Wealth Portfolio (PWP) Manager Select Model Wealth Portfolio (MWP)

Who is The Astorino Financial Group? Francis X. Astorino has been a practicing Financial Planner since 1983. He established and has owned The Astorino Financial Group, Inc. (a Registered Investment Advisor in the State of New Jersey) since 1986. Francis X. Astorino has been a practicing Financial Planner since 1983. He established and has owned The Astorino Financial Group, Inc. (a Registered Investment Advisor in the State of New Jersey) since 1986. After graduating from Boston College in 1982, Mr. Astorino acquired his FINRA licenses in Securities and Insurance. He also has his Series 6, 7, and 63 registrations. He became an Investment Advisor in 1988 and continues curricula in advanced retirement and financial planning programs. He is a Registered Principle (Series 24) with LPL Financial. Frank is a frequent guest speaker among professional groups and at a local college in New Jersey. Mr. Astorino currently pilots workshops with a PhD in Psychology for families and couples to augment his practices Financial Life Planning Division. After graduating from Boston College in 1982, Mr. Astorino acquired his FINRA licenses in Securities and Insurance. He also has his Series 6, 7, and 63 registrations. He became an Investment Advisor in 1988 and continues curricula in advanced retirement and financial planning programs. He is a Registered Principle (Series 24) with LPL Financial. Frank is a frequent guest speaker among professional groups and at a local college in New Jersey. Mr. Astorino currently pilots workshops with a PhD in Psychology for families and couples to augment his practices Financial Life Planning Division. Mr. Astorino is a devoted family man to his wife and four children and has held offices for multiple charities, including Past President of the Boston College Alumni (Metropolitan New York Chapter) and Vice President of UNICO (West Essex Chapter). He is Secretary of the North Caldwell Baseball and Softball Association while maintaining coaching positions for 10U travel baseball and basketball. He has been appointed to the North Caldwell Planning Board and Finance Chairman for the mayor. In his spare time he manages to play golf and tennis at the Glen Ridge Country Club, in Glen Ridge, New Jersey. Mr. Astorino is a devoted family man to his wife and four children and has held offices for multiple charities, including Past President of the Boston College Alumni (Metropolitan New York Chapter) and Vice President of UNICO (West Essex Chapter). He is Secretary of the North Caldwell Baseball and Softball Association while maintaining coaching positions for 10U travel baseball and basketball. He has been appointed to the North Caldwell Planning Board and Finance Chairman for the mayor. In his spare time he manages to play golf and tennis at the Glen Ridge Country Club, in Glen Ridge, New Jersey.

The Astorino Financial Group Team Vincent Lanfrank Vincent Lanfrank Danielle OConnell Danielle OConnell Robert Lee, Jr. Robert Lee, Jr. Deborah Astorino Deborah Astorino Karen Barlow Karen Barlow Susan Levey Susan Levey

What the Astorino Financial Group can do for YOU. Here, in one central location (www.astorinofinancialgroup.com), you can: Get information on our financial services and strategies. Get information on our financial services and strategies. Comprehensive Financial Plans Comprehensive Financial Plans Asset Allocation and Design Strategy Asset Allocation and Design Strategy Investment Management Investment Management Estate Planning Estate Planning Retirement Planning Retirement Planning Tax Planning Tax Planning College Funding Strategies College Funding Strategies Insurance Management Insurance Management Cash Management Cash Management Long Term Care Long Term Care Review relevant account information. Review relevant account information. Access to global financial institutions, educational resources, and market updates. Access to global financial institutions, educational resources, and market updates.

Developing a Strategy to Reach YOUR Goals At The Astorino Financial Group, the first thing well do is listen and learnand well keep on listening and learning from you as we create, execute, and maintain a financial strategy. Our goal is to work with you to craft an effective and enduring plan thats designed to make your future exactly what you want it to be. At The Astorino Financial Group, the first thing well do is listen and learnand well keep on listening and learning from you as we create, execute, and maintain a financial strategy. Our goal is to work with you to craft an effective and enduring plan thats designed to make your future exactly what you want it to be. Youll also gain the peace of mind you deserve knowing you have an experienced and committed financial advisor on your side. To help you take an active role in your financial future, well encourage you to use our Web site to stay informed and stay in touch. Youll also gain the peace of mind you deserve knowing you have an experienced and committed financial advisor on your side. To help you take an active role in your financial future, well encourage you to use our Web site to stay informed and stay in touch. How can we help you protect those you love, provide for the charities you support, propel your dreams forward and pursue your vision of success?

The Client Relationship Process

2. Wealth Mapping 3. Implementing Your Goals 4. WealthVision 5. Communication, Reporting, and Review 1. Client Engagement

Client Engagement: The Right Fit for Everyone Are WE the right advisor for YOU? Are WE the right advisor for YOU? As a firm, are we able to offer you with the best possible service to meet your needs? As a firm, are we able to offer you with the best possible service to meet your needs?

Client Power Ranking Client Power Ranking is a computer based tool that allows us to see our compatibility with you as our client Client Power Ranking is a computer based tool that allows us to see our compatibility with you as our client Do we share common interests? Do we share common interests? Do you have a goal attainable through our guidance? Do you have a goal attainable through our guidance? Are you willing to let us be your advisor? Are you willing to let us be your advisor? Were you referred to us? Were you referred to us? All of these questions along with others will allow us to do what is best for you. All of these questions along with others will allow us to do what is best for you.

Why Our Client Engagement Works Your relationship with us can be personalized and must be confidential and mutually fair. Your relationship with us can be personalized and must be confidential and mutually fair. You should be able to trust your financial advisor with your most precious of assets, your future. You should be able to trust your financial advisor with your most precious of assets, your future. Some may ask, what does liking baseball or golf have to do with my financial advisor? Some may ask, what does liking baseball or golf have to do with my financial advisor? If we know what you are interested in, it allows us to think of you when we have a golf outing, wine tasting event, cooking class, book club, or any other event that targets your interests. If we know what you are interested in, it allows us to think of you when we have a golf outing, wine tasting event, cooking class, book club, or any other event that targets your interests. It is a way for you to learn about your finances while doing something you enjoy. It is a way for you to learn about your finances while doing something you enjoy. If you have needs that require services we are not able to offer you, it is important to know that. It would only hurt to be in the middle of a relationship with us and realize we cannot meet your needs. If you have needs that require services we are not able to offer you, it is important to know that. It would only hurt to be in the middle of a relationship with us and realize we cannot meet your needs. Our Client Power Ranking is our way to make sure you, our client, is cared for in the best possible way. Our Client Power Ranking is our way to make sure you, our client, is cared for in the best possible way.

Wealth Mapping Client Information Communication (What is the best way to communicate?) Financial Holdings (What do YOU own?) Personal Relationships (Who do YOU care about?) Goals/Concerns (What 3 things do YOU want in Life?) Professional Relationships (Who do YOU work with?) Interests (What do YOU like to do in your free time?) Wealth Mapping is Copyrighted to Van Kampen Funds, Inc. All rights reserved. Member FINRA/SPIC.

Wealth Mapping: Why this is an important practice Your Wealth Map develops a clear picture of where you want your future to be. Your Wealth Map develops a clear picture of where you want your future to be. This step allows us to see a potential problem (ie. Cash flow, insurance needs, liquidity, etc.) This step allows us to see a potential problem (ie. Cash flow, insurance needs, liquidity, etc.) Allowing us into the more detailed parts of your life will make sure you are ready to tackle any life transitions you are approaching. Allowing us into the more detailed parts of your life will make sure you are ready to tackle any life transitions you are approaching. This also allows for the proper funding applications for large expenses. College Marriage Divorce Estate LTC Disability New Home Purchase It is also beneficial for any monetary income Sale of a home Sale of a business Inheritance These occurrences can cause tax repercussions, a large imbalance of funds, or a severe disruption of your long-term goals

Client Information & Communication Client Information Here we just get down the basics. What is/are your name(s)? How old are you? What is your household income? What is your total net worth? What is the best way for us to contact you? How often do you feel you would like to meet with us? Do you have and problems getting to our office? Are there any other personal issues that require meeting and communicating with special conditions? Communication (What is the best way to communicate?)

Communication Not everyone prefers the same means of communication, and that is an important aspect to consider Not everyone prefers the same means of communication, and that is an important aspect to consider Privacy and personal needs are specific to different people Privacy and personal needs are specific to different people If you require frequent meetings about your financial situation, we need to know that. If you require frequent meetings about your financial situation, we need to know that. If you want your finances to be in cruise control, that is important too. If you want your finances to be in cruise control, that is important too. It is our goal to customize communication with you so you receive the best service possible. It is our goal to customize communication with you so you receive the best service possible.

Personal Relationships Personal Relationships (Who do YOU care about?) In your life, who do you care about the MOST? Do you have kids, what are their names, and how old are they? Will you need to look into the care of your parents? Do you have a favorite charity or non-profit organization that you devote your time and money to? Are there any other personal relationships you have that have a direct effect on your life?

Financial Holdings Financial Holdings (What do YOU own?) Liabilities How much are you currently in debt? Do you own a mortgage? Do you have a credit card, or even multiple credit cards? Do you have any outstanding student loans? Are you currently leasing or financing your car? Do you have any other debts? Investment Assets Do you own any non-qualified investments? If so, are they individually, or jointly owned? Do you own any qualified accounts? Are they IRAs, 401ks, Pension Plans, etc. Are you the custodian of any minors accounts? If so, are they 529s UGMA/UTMAs, etc? Personal Assets What is the current value of your residence? Do you own any other property? If so, how much is it worth? Do you currently have and life, disability, or long-term-care insurance policies? Are you the beneficiary or trustee of a trust?

Your Financial Holdings Consolidation Consolidation Many people have their money invested, but may not be taking the most cost effective strategy. Many people have their money invested, but may not be taking the most cost effective strategy. It is important to take into consideration your tax bracket when considering investment ideas. It is important to take into consideration your tax bracket when considering investment ideas.

Are Your Current Investments Allocated According to YOUR Goals It is important to look at both your retirement and non-retirement assets to make sure they are not too aggressive, or conversely, not aggressive enough. It is important to look at both your retirement and non-retirement assets to make sure they are not too aggressive, or conversely, not aggressive enough. As you get older, your asset allocation should change to meet your needs. As you get older, your asset allocation should change to meet your needs. Each client has a Each client has a different need for return and also a different ability to take on risk.

Goals and Concerns Goals/Concerns (What 3 things do YOU want in Life?) What are your personal goals? What are your short or long-term goals professionally? Personally? If you have or are going to enter retirement, how would you like to spend your time? How would you like your quality of living to be? Where would you like to be when you are 45? 55? 65? 75? 85? What do you consider to be your greatest accomplishments? What would you like to accomplish? What are your goals for others? What do you currently do to care for those you love? Your kids, parents, society, etc. How would you like to care for those you love?

Professional Relationships Professional Relationships (Who do YOU work with?) Who are the other professionals that you currently work with? Who is your Accountant? Who is your Attorney? Do you currently have another financial advisor? If so, who is he/she? Astorino Financial Group Your CPA Tax Planning Client Portfolio Analysis Tax Preparation Financial Planning Estate Planning Asset Allocation Investment Policy Development Performance Reporting Custody Trading Trust and Estate Services Investment Strategy Manager Due Diligence Consulting Services Needs Analysis Charitable Giving Your Estate Attorney How Astorino Financial Group work with your other professional advisors?

Personal Interests Interests (What do YOU like to do in your free time?) Getting to Know YOU Better What are some of your hobbies? Activities? What are your favorite TV programs, movies, sports teams, etc? Do you consider health and fitness to be a main aspect of your life? Do you enjoy reading? If so, what are some of your favorite genres? What would your IDEAL weekend or vacation be?

The Astorino Financial Group Difference

Implementing Your Goals Pricing YOUR Financial Plan & Fee Schedule Pricing YOUR Financial Plan & Fee Schedule

Financial Life Planning Financial Life Planning means not just asking the right questions but being able to engage clients in meaningful conversations about their important life events, situations, and goals. These introspective conversations, known as financial life dialogues, are central to the development of the Institutes planning tools and training programs. Financial advisors who move from being transaction-based financial planners to Financial Life Planners develop clients for life, by helping those clients achieve the freedom to pursue their own goals, at their own pace, on their own terms. 1 Financial Life Planning means not just asking the right questions but being able to engage clients in meaningful conversations about their important life events, situations, and goals. These introspective conversations, known as financial life dialogues, are central to the development of the Institutes planning tools and training programs. Financial advisors who move from being transaction-based financial planners to Financial Life Planners develop clients for life, by helping those clients achieve the freedom to pursue their own goals, at their own pace, on their own terms. 1 By focusing clients on the four key components of their liveshistory, transitions, principles, goalsadvisors are able to move successfully from financial planning to financial life planning, and create clients for life. 1 By focusing clients on the four key components of their liveshistory, transitions, principles, goalsadvisors are able to move successfully from financial planning to financial life planning, and create clients for life. 1 Financial life dialogues are centered around important life events, transitions, principles, and goals that have an impact on a clients financial situation. These dialogues result in a strong foundation and long-lasting relationship between client and advisor. The Financial Life Planning Institute provides advisors with all the tools they need to develop stronger client relationships through: 1 Unique Tools: The Institutes tools include: FLPOnline, an interactive tool that helps advisors engage clients in financial life planning with the most highly developed life planning tools available in the industry; The Practice Check-Up, a tool that helps advisors understand where their practice is and where they want it to be in order to achieve life/practice balance; and NewRetirementality.com, a free tool that helps clients get a birds-eye view of where they are, and where they want to be in their lives regarding retirement. 1 Knowledge: The Institutes extensive resource library includes resources related to financial life planning, worksheets, life planning images advisors can integrate into their practices, workshops, advanced client dialogues, on-line courses, audio training, video training, and much more. 1 Coaching: The Institute is committed to helping advisors implement and integrate life planning into their practice through customized, one-on-one coaching. 1 1 1 Mitch Anthonys Financial Life Planning (http://www.flpinc.com/Home.aspx)

Financial Life Planning Phase I Phase I Satisfaction Survey Satisfaction Survey Me to We Me to We Phase II History Principles Transitions Goals

Your Return After Inflation and Taxes Scenario: 10% gross profit from investment * 3% - Inflation * 3% - Taxes * 2% - Cost Net Return: 2%

Financial Plan Preparation Using this spreadsheet (designed by LPL), we are able to come up with an appropriate price of YOUR financial plan. This is however merely a bench mark. This takes into account the different levels of complexity and the time it would require to meet all of your individual goals. During this phase we will also: Confirm plan assumptions Create financial projections Analyze Current Financial Situation Develop Recommendations Introduce a Fee ScheduleFee Schedule

Investment Platform Fees While the financial plan costs are one aspect, there is also the advisory fee of the investment platforms. While the financial plan costs are one aspect, there is also the advisory fee of the investment platforms. This too effects the cost of your overall financial plan. This too effects the cost of your overall financial plan. Depending on your current financial position, the right platform and fee will be chosen for you. Depending on your current financial position, the right platform and fee will be chosen for you.

Combining Your Financial Plan Costs with Our Fee Schedule Depending on your financial situation you may or may not have the means to pay for all of our services. Depending on your financial situation you may or may not have the means to pay for all of our services. This is why combining the financial plan calculator with our fee schedule is so effective. This is why combining the financial plan calculator with our fee schedule is so effective. Depending on your needs a price can be developed that is beneficial to both Astorino Financial Group, and to you, as our valued client. Depending on your needs a price can be developed that is beneficial to both Astorino Financial Group, and to you, as our valued client.

Presenting Your Plan During this phase we will: During this phase we will: Go over your report with you Go over your report with you Assign Responsibility Assign Responsibility We will put in writing a request to implement your plan We will put in writing a request to implement your plan Make additional analysis Make additional analysis This will in most cases not be your comprehensive financial plan. You will receive important Needs Analysis run by our financial planning software (NaviPlan) depending on your own goals. Education Needs Analysis Life/Disability/LTC Insurance Needs Analysis Retirement Needs Analysis

The Need for NaviPlan NaviPlans basic needs analysis sets up the rest of your financial plan. NaviPlans basic needs analysis sets up the rest of your financial plan. These initial calculators allow the best possible plan to be run for you. These initial calculators allow the best possible plan to be run for you. With each individual aspect affecting the other, it is important to take each of them into consideration initially. With each individual aspect affecting the other, it is important to take each of them into consideration initially. Calculating costs of each will make the complete plan more precise and will allow the personalization of the complete plan. Calculating costs of each will make the complete plan more precise and will allow the personalization of the complete plan.

Education Needs Analysis With the rising cost of secondary education beating out inflation by drastic amounts, it is important to look at the future costs, and cost effective ways to save. With the rising cost of secondary education beating out inflation by drastic amounts, it is important to look at the future costs, and cost effective ways to save. The Education Needs Analysis will calculate these costs and suggest monthly savings, lump-sum savings, and investment strategies. The Education Needs Analysis will calculate these costs and suggest monthly savings, lump-sum savings, and investment strategies.

Education Analysis The rising cost of secondary education is a concern for many people. The rising cost of secondary education is a concern for many people. The consequences of waiting to start saving are significant and can seriously effect the amount you need to save (put in the waiting charts) The consequences of waiting to start saving are significant and can seriously effect the amount you need to save (put in the waiting charts) When these costs are taken into consideration there is a change in both your need for life insurance and your needs for retirement. When these costs are taken into consideration there is a change in both your need for life insurance and your needs for retirement. Education costs can play a large roll in whether or not your plan succeeds. Education costs can play a large roll in whether or not your plan succeeds. Your childs secondary education costs should not be the deciding factor in you happiness during retirement. Your childs secondary education costs should not be the deciding factor in you happiness during retirement.

Life Insurance Needs Analysis Coinciding with your education needs analysis (if applicable), a life insurance calculation will be run. Coinciding with your education needs analysis (if applicable), a life insurance calculation will be run. This analysis will allow us to suggest the best possible policy or policies to meet your needs if the unfortunate happens. This analysis will allow us to suggest the best possible policy or policies to meet your needs if the unfortunate happens. The last thing anyone wants is to leave their loved ones unprepared and under funded in the event of an unexpected death. The last thing anyone wants is to leave their loved ones unprepared and under funded in the event of an unexpected death.

Insurance Analysis Comparison Life insurance with out Education Costs WITH 10 year old child starting college at $35,000/year indexed at 6% (total cost $250,000)

Retirement Needs Analysis Using your current retirement savings, income flow, expenses, and future retirement needs, we can calculate a basic need to meet your goals. Using your current retirement savings, income flow, expenses, and future retirement needs, we can calculate a basic need to meet your goals. The combination of rapidly approaching retirement and concerns about post-retirement financial security has not translated into more personal savings for most Americans, said Standard & Poor's in a report released today. The report, titled "Older But Not Wiser: Why Americans Remain Dangerously Unprepared for Retirement," finds that the average American household savings rate remains near 0%. 1 The combination of rapidly approaching retirement and concerns about post-retirement financial security has not translated into more personal savings for most Americans, said Standard & Poor's in a report released today. The report, titled "Older But Not Wiser: Why Americans Remain Dangerously Unprepared for Retirement," finds that the average American household savings rate remains near 0%. 1 Thomson Reuters 2008 All rights reserved 1 http://www.reuters.com/article/pressRelease/idUS235192+15-May-2008+PRN20080515

The Retirement Needs Analysis: Lack of Preparation is the Majority According to research conducted by MetLife, 69% of pre- retirees overestimate how much they can draw down from their savings, with 43% saying they believe they can withdraw 10% or more each year while still preserving their principal, even though most retirement experts suggest a withdrawal rate of no more than 4% annually. In addition, 60% underestimate life expectancy and 49% underestimate the amount of pre- retirement income theyll need once they retire. With that said, calculating your needs to retire comfortably and without changing your current lifestyle is an important practice. 1 The retirement needs analysis is the first step to overcoming what seems to be believed as inevitable. The calculator will allow us to find a basic benchmark for retirement saving, it will also contribute to the utilization of more advanced planning techniques. 1 Source: Neathridge Content Solutions http://www.agingworkforcenews.com/2008_06_01_archive.html

The Start of a New Relationship

Decision Making & Introduction Depending on your needs, you may be introduced to an outside professional. Depending on your needs, you may be introduced to an outside professional. Astorino Financial Group works side by side with Dr. Louis Barretti, PhD, Master Coach Mary Duwe, and Personal Impact Consultant Suzanne Tongue. Astorino Financial Group works side by side with Dr. Louis Barretti, PhD, Master Coach Mary Duwe, and Personal Impact Consultant Suzanne Tongue. Dr. Barretti assists in what he calls, Financial Relationship Coaching. Dr. Barretti assists in what he calls, Financial Relationship Coaching. Mary Duwe is the Master Coach for You Evolve Coaching Mary Duwe is the Master Coach for You Evolve Coaching Suzanne is Managing Director and Personal Impact Consultant for Stylecapital. Suzanne is Managing Director and Personal Impact Consultant for Stylecapital. Above: Dr. Louis Barretti, PhD. Right:: Mary Duwe, Master Coach Left:: Suzanne Tongue, Personal Impact Consultant

Utilizing an Outside Professional There isnt anyone in this world who knows everything, some people may think so, but odds are there is someone out there who knows a specific area better than most. There isnt anyone in this world who knows everything, some people may think so, but odds are there is someone out there who knows a specific area better than most. For that reason we utilize outside professionals For that reason we utilize outside professionals Finances can cause problems outside of your wallet. Monetary concerns can be a large factor in an unhappy marriage as well. Finances can cause problems outside of your wallet. Monetary concerns can be a large factor in an unhappy marriage as well. Larry Burkett, noted financial author, says, "Money is either the best or the worst area of communication in our marriages." After years as a financial counselor and working with marriage counselors, I know that money and money fights are the #1 cause of divorce, not to mention the thing we fight about the most. 1 Larry Burkett, noted financial author, says, "Money is either the best or the worst area of communication in our marriages." After years as a financial counselor and working with marriage counselors, I know that money and money fights are the #1 cause of divorce, not to mention the thing we fight about the most. 1 Astorino Financial Group does everything in its power to make sure this is not a problem for you, and in that we may introduce you to Dr. Louis Barretti and his Financial Relationship Counseling. Astorino Financial Group does everything in its power to make sure this is not a problem for you, and in that we may introduce you to Dr. Louis Barretti and his Financial Relationship Counseling. Couples Workshop Couples Workshop Couples Workshop Couples Workshop The Field of Financial Psychology The Field of Financial Psychology The Field of Financial Psychology The Field of Financial Psychology 1 How to Communicate With Your Spouse About Money- Dave Ramsey (http://www.daveramsey.com/the_truth_about/money_and_relationships_3889.html.cfm)

You Evolve Coaching the vision at you evolve coaching is to enrich the lives of others through the life changing process of coaching. we believe it takes the best in each of us...to make the best world for all of us! the vision at you evolve coaching is to enrich the lives of others through the life changing process of coaching. we believe it takes the best in each of us...to make the best world for all of us! individual coaching is one of the most powerful adult learning processes offered in today's marketplace. and now it is available to you by special invitation. individual coaching is one of the most powerful adult learning processes offered in today's marketplace. and now it is available to you by special invitation. as you experience the power of the coaching interaction, you will more effectively create new habits, develop new perspectives, increase confidence and desired results. in addition, your overall quality of life will be improved. as you experience the power of the coaching interaction, you will more effectively create new habits, develop new perspectives, increase confidence and desired results. in addition, your overall quality of life will be improved. one of the most powerful drivers of personal change is the environment of trust and support within the coaching relationship. if you are serious about making positive changes in your life, then take the first step and call now for your complimentary information gathering session. one of the most powerful drivers of personal change is the environment of trust and support within the coaching relationship. if you are serious about making positive changes in your life, then take the first step and call now for your complimentary information gathering session. this is a breakthrough method for creating unique personal value. the process increases self awareness, growth and motivation. the tools and resources build personal confidence for creating an extraordinary life! this is a breakthrough method for creating unique personal value. the process increases self awareness, growth and motivation. the tools and resources build personal confidence for creating an extraordinary life! we are dedicated to helping you maximize your prosperity, potential, and peace of mind.. consider this your invitation to begin this life changing adventure. 1 we are dedicated to helping you maximize your prosperity, potential, and peace of mind.. consider this your invitation to begin this life changing adventure. 1 1 http://www.maryduwe.com/

Stylecapital Stylecapital is the Image Consultancy that teaches corporate and private clients how to manage one of their most underrated assets: their professional impact. In todays instant-impression culture, people often waste huge amounts of money on an underperforming image. Stylecapital helps individuals and business teams raise their game by turning their style into a real asset. Very quickly, our clients look and feel more professional, more confident and more in control. And they save money, time and stress as well. Stylecapital can provide private, group or corporate programs on Personal Style, Executive Colour, Presentation/Communication Skills, and Business Style & Etiquette. If youd like to know more, please contact Suzanne Tongue, Managing Director and Personal Impact Consultant. 1Suzanne Tongue Suzanne obtained her professional image training from Aston & Hayes, London's premier image consultancy. An American citizen and former Director with Saatchi & Saatchi, Suzanne has managed major brand image and communication campaigns across the globe. She is an affiliate member of The Federation of Image Consultants in the UK. 1 http://www.stylecapital.co.uk/

Plan Implementation Using your goals we will develop a personalized strategy for your wealth. Using your goals we will develop a personalized strategy for your wealth. Money will be invested, according to those goals, in any number of LPLs designed investment platforms. Money will be invested, according to those goals, in any number of LPLs designed investment platforms. Brokerage Brokerage OMP (Optimum Market Portfolio) OMP (Optimum Market Portfolio) SAM I/II (Strategic Asset Management) SAM I/II (Strategic Asset Management) PWP (Personal Wealth Portfolio) PWP (Personal Wealth Portfolio) MWP (Model Wealth Portfolio) MWP (Model Wealth Portfolio) Manager Select Manager Select If your goals need other investment styles, we work with some of the top firms in the annuity business, and offer those services along with the other platforms. If your goals need other investment styles, we work with some of the top firms in the annuity business, and offer those services along with the other platforms. Investment styles are not limited to the above, we pride ourselves in our creativity. Investment styles are not limited to the above, we pride ourselves in our creativity. At this point in time, as our new client, you will be introduce to your Client Portal. At this point in time, as our new client, you will be introduce to your Client Portal.

Implementation: The Right Plan Different goals create different risk and reward measurements. Different goals create different risk and reward measurements. Depending on your goals we may feel it is appropriate to hire a Manager to control your portfolio. Depending on your goals we may feel it is appropriate to hire a Manager to control your portfolio. Astorino Financial Group has access to the best managers in the business, and offer them all. Astorino Financial Group has access to the best managers in the business, and offer them all. At one place you are able to receive guidance from one or even multiple managers to make sure your goal is met. At one place you are able to receive guidance from one or even multiple managers to make sure your goal is met.

See the Benefits of Repositioning Risk: 17.1%; Return: 9.6% Risk: 15.9%; Return: 12.1% Client: John and Jane Sample Proposed Asset Allocation For illustrative purposes only. What bets are being made in the portfolio? How might reallocation of asset classes reduce risk and enhance return?

What Degree of Risk/Return Can You Tolerate?

The Institutional Price Advantage Institutional Prices (available to underwriters, institutional investors, and syndicates) ING typically buys here When we buy and sell bonds for our clients accounts, we are typically able to eliminate several layers of expenses that are commonly included in the prices that retail brokers charge their clients. Since these charges vary widely and are imbedded in the prices and not explicitly segregated, it is difficult to calculate the true advantage that our institutional trade gives versus a specific retail trade. Based upon data compiled by the Municipal Securities Rulemaking Board (MSRB), we believe the illustration above presents a reasonable reflection of the difference between an institutional and retail execution. ING Investment Management (ING) does not guarantee any particular purchase or sale price. Source: ING Benefits that passive portfolios do not offer, Kam Kadivar 2004

Client Portal Client Portal is a one-stop-shop for your financial needs. Client Portal is a one-stop-shop for your financial needs. AccountView AccountView All LPL account values All LPL account values iDoc iDoc Online storage of important documents Online storage of important documents WealthVision powered by eMoney WealthVision powered by eMoney Complete aggregation of your LPL and outside accounts, your liabilities, insurance policies, and your comprehensive financial plan. Complete aggregation of your LPL and outside accounts, your liabilities, insurance policies, and your comprehensive financial plan.

Wealth Vision It is your introduction to WealthVision that allows constant monitoring of your financial situation. It is your introduction to WealthVision that allows constant monitoring of your financial situation. With your cooperation, all of your financial holdings are linked to one common location. With your cooperation, all of your financial holdings are linked to one common location. Credit Cards Credit Cards Investment Assets Investment Assets Mortgages, Home Equity, Student, and Automotive Loans Mortgages, Home Equity, Student, and Automotive Loans Checking, Savings, CD, and Money Market Accounts Checking, Savings, CD, and Money Market Accounts Life, Disability, and LTC insurance policies Life, Disability, and LTC insurance policies Outside retirement accounts Outside retirement accounts Etc. Etc.

WealthVision Client Website

Communication, Reporting, and Review With WealthVision, allowing you to see your financials is easy, but often that is not enough With WealthVision, allowing you to see your financials is easy, but often that is not enough Regularly, PRTs (Portfolio Review Tool) are run to make sure you are on track with your investments. Regularly, PRTs (Portfolio Review Tool) are run to make sure you are on track with your investments. WealthVision is also constantly monitored to make sure you are on track to meet your goals. WealthVision is also constantly monitored to make sure you are on track to meet your goals. If we ever feel there is a need to modify, improve, or are concerned with your current situation, we will contact you to set up a meeting If we ever feel there is a need to modify, improve, or are concerned with your current situation, we will contact you to set up a meeting Also if you ever feel concerned or if you want some additional information on what you are seeing, we are here for appointments. Also if you ever feel concerned or if you want some additional information on what you are seeing, we are here for appointments.

Rebalancing Effects During our relationship, it is important to remember that your money is not on cruise control. During our relationship, it is important to remember that your money is not on cruise control. Your accounts will be constantly monitored by our staff to make sure you are on track to meet your goals. Your accounts will be constantly monitored by our staff to make sure you are on track to meet your goals. The Portfolio Review Tool is a way for us to make sure your asset class weighting is appropriate for your investment strategy The Portfolio Review Tool is a way for us to make sure your asset class weighting is appropriate for your investment strategy

Keeping Aim at the Target Your target portfolio is an important ratio to maintain. Your target portfolio is an important ratio to maintain. With out proper review and reallocation, your portfolio may take on unwanted risk With out proper review and reallocation, your portfolio may take on unwanted risk The Portfolio Review Tool shows exactly where the portfolio is over or underweighted, and allows rebalancing towards your investment goals The Portfolio Review Tool shows exactly where the portfolio is over or underweighted, and allows rebalancing towards your investment goals

The Time Honored Potential of Asset Allocation Past performance is no guarantee of future results. Bonds are represented by Intermediate Government Bonds, which provide rates of return as well as principal guarantees if held to maturity. Investment returns and principal value of a mutual fund will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. No fees or expenses are reflected in the performance of the index. Stocks are represented by the S&P 500. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any AllianceBernstein mutual fund. See page 39 for a description of each index. Source: Lehman Brothers, Standard & Poors and AllianceBernstein 19702003 100% Bonds 100% Stocks 60/40 Risk (%) 30/70

Utilized Asset Classes Stocks Stocks High Return Potential High Return Potential Long-term investments Long-term investments May provide Income May provide Income Bonds Bonds Regular income Regular income Potential for price appreciation Potential for price appreciation Possible tax advantages Possible tax advantages Cash Cash Regular income Regular income Relative price stability Relative price stability Liquidity Liquidity Real Assets Publicly Traded REITs Non-Publicly Traded REITs Limited Partnerships Alternative Investments Structured Notes Hedge Funds GMIB Contracts

Long-Term Risk/Reward Analysis

Market Timing: Is it worth the risk? This chart is for illustrative purposes only and does nor represent an actual investment or the performance of any specific investment product. Source: FactSet and Standard & Poors as of 12/31/06 Past performance is no guarantee of future results

Are you PERFECT? Past performance does not guarantee future results. Diversification does not assure a profit or protect against a loss in a declining market. The chart above shows the average annual historical return of an investment in growth stocks and value stocks (as defined below) where the investors decision to time the growth or value cycle, on an annual basis, is shown in percentages of how correct in hindsight their timing to switch was. A 50/50 blend investment with automatic rebalancing annually 12.3%. The growth and value stocks used in this presentation are determined as follows: beginning with all publicly traded stocks on the US stock exchanges (not just the S&P 500), the 30% of stocks with the highest price-to-book ratios represent Growth. The 30% of the stocks with the lowest price-to-book ratios represent Value. The middle 40% of the companies are excluded. These returns do not include fees and expenses associated with an investment in a mutual fund. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any AllianceBernstein mutual fund. Please see end of presentation for index definitions. *Assumes an attempt to market time but invest in the lower performer (value or growth) during the years in which the difference between the two was highest, missing the best 33% or best 50% Source: Fama/French growth and value and AllianceBernstein Hypothetical Average Annual Return 19702007

Past performance is no guarantee of future results. This information is for illustrative purposes and seeks to demonstrate the virtues of a buy and hold strategy rather than trying to time the market. The fact that buy-and-hold has been a successful strategy in the past does not guarantee that it will continue to be successful in the future. The report covers the time periods from 1988 through 2007. This is an excerpt of a much larger report which includes various investor types; the average equity or fixed income investor, the buy and hold investor, the asset allocator and systematic investor. The Average (equity and fixed income) Investor refers to the universe of all (equity or fixed income) mutual fund investors whose actions and financial results are restated to represent a single investor. Average (equity and fixed) Investor returns are represented by a change in assets, excludes sales charges, redemptions and exchanges. This method of calculation captures realized and unrealized capital gains, dividends, interest, trading costs, sales charges, fees, expenses, and any other costs. Equity performance is represented by the Standard & Poor's 500 Composite Index. Fixed Income performance is represented by the Lehman Brothers Aggregate Bond Index. Inflation Rate represents the monthly value of the consumer price index and is converted to a monthly rate. The monthly rates are used to compound a "return" for the period under consideration. 2007 Dalbar, Inc. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any AllianceBernstein mutual fund. Index returns do not reflect the deduction of fees, trading costs or other expenses. Please see end of presentation for index definitions. Individual Investors: Can you beat the average? Lehman Aggregate Bond Index Average Bond Fund Investor Annualized Returns 1988-2007 Average Stock Fund Investor InflationS&P 500

No One Equity Asset Class Always Outperforms

Fixed Income Asset Classes Are No Different

Levels of Diversification 60% Stocks 40% Bonds 70% US 30% Intl US Intl Geographic Mix 50% Value 50% Growth 50% Growth Asset Allocation Style Blend The above is a hypothetical illustration only and does not represent any particular investment, including any AllianceBernstein mutual fund The asset allocation that is right for each individual will vary 50% Value

Why Diversification? 19702007 % in International Stocks Past performance does not guarantee future results. Diversification does not assure a profit or protect against a loss in a declining market. Through December 31, 2007 US Stocks are represented by the S&P 500 Index of stocks. Foreign stocks are represented by the MSCI (Morgan Stanley Capital International) EAFE Index. The chart presents various combinations of the US and Foreign Stock components, including the highlighted 70% U.S/30% foreign combination. Volatility is defined as the annualized standard deviation of portfolio returns for the period from 1970 to 2007. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any AllianceBernstein mutual fund. Please see end of presentation for index definitions. Source: MSCI, Standard & Poors and AllianceBernstein Lower Volatility

Risk (%) Return (%) US Stock Funds Low- Correlation Portfolio* S&P 500 Low- Correlation Portfolio* US Stock Funds Bonds *The above provides a hypothetical example of the performance of a portfolio diversified as indicated. The portfolio was rebalanced halfway back to its target weight when the stock/bond mix rose to 65/35 or fell to 55/45, and/or the value/growth and U.S./international weightings deviated from their targets by 20% or more. U.S. growth and international growth stocks are represented by the top 30% of all stocks publicly traded on American or foreign exchanges, respectively, ranked by price-to-book ratios. U.S. value and international value stocks are represented by the bottom 30%. Bonds are represented by five-year Treasuries. U.S. stock funds are represented by an equal weighted average of all Lipper stock funds investing in US equities and domiciled in the US. The unmanaged S&P 500 Stock Index is comprised of 500 U.S. stocks and is a common measure of the performance of the overall U.S. stock market. The unmanaged Lehman Brothers Aggregate Bond Index is a standard measure of the performance of a broad basket of unmanaged debt securities. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any AllianceBernstein mutual fund. Investment returns and principal value of a mutual fund will fluctuate, so that shares, when redeemed, may be worth more or less than their original cost. No fees or expenses are reflected in the performance of the indices or the Low-Correlation Portfolio. This example does not include transaction costs associated with rebalancing, which may be significant over time. Risk is defined as the standard deviation of monthly returns, annualized. Source: Standard & Poors, Fama/French and AllianceBernstein The Varying Correlation Among Asset Classes Worst Calendar Year Loss

Performance Cycles: Growth vs. Income Past performance does not guarantee future results. The chart above shows the average annual historical return of investments in growth stocks, as represented by the Russell 3000 Growth Index, and value stocks, as represented by the Russell 3000 Value Index. These returns do not include fees and expenses associated with an investment in a mutual fund. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any AllianceBernstein mutual fund. Please see end of presentation for index definitions. Source: Russell Investment Group and AllianceBernstein Growth Stocks 8081888991 9293 9499 0006 07 Value Stocks

Wise Investing: Sticking with YOUR plan From Beginning of... to End of: 10.7% Positive Returns98% Negative Returns 2% Past performance does not guarantee future results. This chart consists of a hypothetical portfolio of investments that match the Balanced Wealth Strategy target asset allocations, using asset-class index returns from 1970 to 2007 for components of the Strategy. This is a hypothetical index illustration. These returns are for illustrative purposes only and do not reflect actual fund performance. For current performance of the actual fund, please visit www.alliancebernstein.com (select Investment Solutions/Mutual Funds/Wealth Strategies). Asset class indexes used in this composite are represented by the following: US Stocks 38.5%: Russell 3000 Index (19792007), S&P 500 (19701978); REITS 10%: FTSE EPRA/NAREIT Global REIT Index (20002007), US NAREIT Index (1972-1999), S&P 500 (19701971); International Stocks 16.5%: MSCI EAFE Index (19702007); Intermediate Bonds 28%: Lehman Aggregate Bond Index (19762007), Lehman Govt/Corporate Index (19731975), CRSP/TPA 5-Year Treasury Index (19701972); High Yield 7%: Lehman High Yield Constrained Index (19932007), Lehman High Yield Index (19831992), Intermediate Bonds prior to 1983. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any AllianceBernstein mutual fund. Please see end of presentation for index definitions. Source: Russell Investment Group, Lehman Brothers, Merrill Lynch, MSCI, NAREIT and AllianceBernstein 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970

Concentrated Stock Positions Limit Return and Elevate Risk

Getting the Most Out of WealthVision WealthVision is a very powerful tool, and with the right amount of attention can be helpful in getting you to your goal. WealthVision is a very powerful tool, and with the right amount of attention can be helpful in getting you to your goal. Your own personal web page will be mutually controlled by you and us. Your own personal web page will be mutually controlled by you and us. With the ability to enter all usernames and passwords, all of your financial world, with or outside Astorino Financial Group, are all in one easy to find place. With the ability to enter all usernames and passwords, all of your financial world, with or outside Astorino Financial Group, are all in one easy to find place. This software also allows us to take into account for What If scenarios. This software also allows us to take into account for What If scenarios. What if there is a bear market at retirement? What if there is a bear market at retirement? What if there is a rise in inflation? What if there is a rise in inflation? What if my spouse or I become disabled, or need long-term-care? What if my spouse or I become disabled, or need long-term-care? How will my childrens education effect my retirement? How will my childrens education effect my retirement? How can I lower my estate taxes? How can I lower my estate taxes? How do taxes and inflation effect my overall return? How do taxes and inflation effect my overall return?

Bear Markets: Will they ever turn around? 200020012002 Past performance is no guarantee of future results. No fees or expenses are reflected in the performance of the indexes. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any Alliance mutual fund. See page 18 for a description of the indexes. Source: Standard & Poors and Bloomberg L.P. S&P 500 (35.7)% Nasdaq (72.0)% Index Cumulative Returns Mar 1, 2000Mar 31, 2003 2003

Growth of $100,000 $53.25 M (15)% (30)% (17)% (43)% (29)% (16)% (22)% (15)% (41)% Past performance is no guarantee of future results. Through August 5, 2008. No fees or expenses are reflected in the performance of the index. An investor cannot invest directly in an index, and its results are not indicative of any specific investment, including any Alliance mutual fund. See page 18 for description of the index. Source: Roger G. Ibbotson and Rex A. Sinquefield, "Stocks, Bonds, Bills, and Inflation: Year-by-Year Historical Returns," University of Chicago Press Journal of Business (January 1976); FactSet and Standard & Poor's S&P 500 Returns 2008

Bear Market Cycles Historically bear market declines have been significantly shorter and caused less of a return change than the bull run that followed. Historically bear market declines have been significantly shorter and caused less of a return change than the bull run that followed. Source: JPMorgans Guide to the Market 3Q08, Standard & Poors, JPMorgan Asset Management The above chart is for illustrative purposes. Past returns are no guarantee of future results A bear market is defined as a peak-to-trough decline in the S&P 500 Index (price only) of 20% or more. The bull run data reflect the market expansion from the bear market low to the subsequent market peak. All returns are S&P 500 Index Returns, and do not include dividends. * Most Recent bull run is through market peak of 10/9/07

Estate Planning Your estate is far from simple. Make sure all of your work with us or your current advisor does not go immediately into Uncle Sams pocket.

The Astorino Financial Group Putting Clients FIRST! Securities and Advisory services offered through...

Documents

Transcript of The Astorino Financial Group Putting Clients FIRST! Securities and Advisory services offered through...