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INTEGRITY. Not just doing business with someone you trust, but doing business with someone who is trust worthy.

SECURITY.

First, secure what you have, then pursue what you want.

DIRECTION. Recognizing it’s not enough to just advise you on where to go, but showing you how to get there is what matters most.

GA RY HA R R I S

PRIVATE CLIENT GROUP

ghprivateclientgroup.com


“We are what we repeatedly do. Excellence, therefore, is not an act, but a habit.� Aristotle


What Does It Mean To Truly

SUCCEED?

GARY HARRIS

PRIVATE CLIENT GROUP


“What you get by achieving your goals is not as important as what you become by achieving your goals�.

Johann Wolfgang von Goethe


Answer:

To Achieve Your Goals!

When you engage in a relationship with a financial advisor you must consider the process. If on the way to financial security, you pay too much or get too little, success is not as rewarding. In fact, you may pay too much and still not reach your goals. True success is when all the pieces are in place: a collaborative relationship, actionable plan and expert execution. You succeed when strategy translates directly into action.


How do I Know when I’m WEALTHY?

GARY HARRIS

PRIVATE CLIENT GROUP


“Wealth is not who has it, but his that enjoys it.�

Benjamin Franklin


Answer: YOU ARE WEALTHY when your tangible assets, like investments and real property, provide for, enhance and protect your intangible assets, like family, relationships, time and legacy.

We understand how easy it is to become overwhelmed by the trappings of wealth. That’s why we work so hard to help you focus your resources on what you value most. Whether it’s your retirement, charitable gift giving, educating your children or simply planning for regular vacations, what matters most is that you get what you truly desire. After all, the only real wealth is a fulfilling life.


Why should I hire a PROFESSIONAL?

GARY HARRIS

PRIVATE CLIENT GROUP


“Skill To Do Comes Of Doing..”

Ralph Waldo Emerson


Answer:

Because it’s just too important!

Why risk jeopardizing your family’s financial future to someone with little experience? This is your hard earned money, your family’s future and your future well being at stake. It takes experienced, skilled, capable professionals to design and implement a complicated strategy. Our leadership team has over 100 years of combined experience with qualified licensed professionals in the areas of law, accounting, investments, insurance and real estate. We recognize everyone has to start somewhere, we simply suggest they don’t start with you.


I am already successful, so why do I need an advisor and a financial plan NOW?

GARY HARRIS

PRIVATE CLIENT GROUP


“It’s not the plan that’s important, it’s the planning.””

Dr. Graeme Edwards


Answers: • As you become more successful, your money and your life become more complicated. • You have minor children and no written provisions for their care if you and/or your spouse should meet an untimely end. • Your financial goals are actually vague hopes. • Your investment portfolio is really a collection of accounts and holdings with no collective purpose. • When it comes to your personal finances you never seem to get around to it.

Our senior advisors custom fit every solution to your unique situation then work with you to implement the plan. Moving forward requires a finely detailed strategy and a work plan with paths, durations, and milestones. We recognize it’s not enough to simply advise you on where you need to go; we show you how to get there.


How much will this COST me?

GARY HARRIS

PRIVATE CLIENT GROUP


“Price is what you pay. Value is what you get.”

Warren Buffet


Answer:

Free financial advice is worth what you pay for it.

We recognize there is a lot of fee-fatigue in the financial industry. Part of the problem is top heavy organizations with armies of executives to support and bonuses to fulfill. Frequently, service levels don’t live up to the promise. In fairness to our clients we believe in full disclosure. We state our prices up front with no hidden fees or extra charges for menial task. We bring the necessary “state of the art” to the “state of the problem”. We provide high quality work for a fair price.


Why should I choose

GARY HARRIS PRIVATE CLIENT GROUP, INC?

GARY HARRIS

PRIVATE CLIENT GROUP


We can provide

YOU with strategies and solutions, not just services.

We can INCREASE your income options for retirement.

Nearly 3 in 5 new middle-class retirees can expect to outlive their financial assets if they try to maintain their pre-retirement living standard.

Answers:

(Source: Retirement Vulnerability of New Retirees: The Likelihood of Outliving Their Assets,by Ernst & Young, for Americans for Secure Retirement, July 2008.)

51% of

households “at risk” of not having enough to maintain their living standards in retirement”

We can CHANGE your current financial plan of “hopes and dreams” into one that is concrete and attainable.


We can help you SECURE education funding for your children

We can PROVIDE you with a plan that will protect your estate.

In 2009 Social Security replaced approximately 40 percent of the average earner’s income at retirement and is forecastto fall to 28 percent by 2037. (Sources: The Social Security Fix-It Book, Center for Retirement Research at BostonCollege, 2009.)



If you don’t have a plan for the care of your aging parents we can provide one for you.

We can help you

SECURE long term care so that you can grow old gracefully.

We can DESIGN STRATEGIES to reduce your business tax liability.

We can provide you with a road map to

We can effectively

ACCOMPLISH

tax liability through tax deferred, tax exempt and tax reduction strategies

your goals through financial planning.

REDUCE your


Where should I

BEGIN?

GARY HARRIS

PRIVATE CLIENT GROUP


“The secret of getting ahead is getting started.�

Mark Twain.


Answer:

CALL US TODAY! (800) 558-9769 YOU SHOULD START PLANNING TODAY!


LET’S GET STARTED The Following Pages are designed to give you an idea of your financial status. Having a visual of where your expenses are distributed will assist in the process of establishing a plan to create wealth and a healthy financial future for your well-being. Upon completion of these pages, we look forward to meeting with you to discuss your personal analysis of your finances, so that we can begin to implement a professional strategy that will suit your needs and your life goals.


MONTHLY EXPENSE SHEET HOME

PERSONAL

Mortgage/Rent $

Life Insurance $

Condo/Association Dues $

Health Insurance $

$

Dental Insurance $

$ Electricity $

Prescriptions $ Long-term Care Insurance $

$ Cable/Satellite $ Phone ( Mobile/Land Line) $

School Tuition/Fees $

Water/Sewer/Trash

$

Clothing $

Other

$ $

Personal Supplies $

Insurance Gas/Oil (Heat)

Internet

Other

Student Loan(s) $

Other Education $

Laundry/Dry Cleaning $ Personal Supplies $

CAR

Club/Membership Dues $

Gas $

Entertainment $

$

Other $

$ Parking/Garage $

MISCELLANEOUS $

Insurance Service/Repairs

$ Other $ Other

FOOD Groceries Dining Out/Restaurants

Gifts/Donations $ Credit Cards $

Loans $

Taxes (Federal/State) $

$

$ Other $

Savings $ Other $

$

Total Monthly debt $ Total Monthly Savings $ Total Monthly Inocme $


HOW LONG MUST YOUR RETIREMENT LAST? From birth the average life expectancy in 2012 for males is age 75.81 years and for females is age 81.73 years Source U.S. Census Bureau, International Data Base, April 2009

LONGEVITY SCORECARD Questions

A

B

C

1

Which of your parents lived to age 70 (or probably) will?

Both

One

None

2

How many incidents of cardiovascular problems has your exended family experienced?

None

One

Moe than one

3

How often do you excerise vigorously?

Regularly

Occasionally

Almost Never

4

How is your blood pressure

Low or normal

A little high

Very high

5

Have you ever suffered a serious illiness involving heart, liver, kidneys, lungs, or other major functions?

No

One,minor

More than once,or major

6

Are a smoker?

No

7

Are you a drinker?

No

Modest

Heavey

8

How is your weight in proportion to your height?

Average or below

A little high

Quite high

9

How stressful is (was) your line of work?

Not at all

Modest

Heavy

10

How would you describe your diet?

All the right stuff

I try but snack

All the wrong stuff

11

What protects you when you dirve?

Seat belt and air bags

Seat belt or air bags but not both

Nothing between me and the windshield

Great

Average

Poor

X2

X1

X0

12 How is the air and water quality where you live?

What will Your Look Like? Light Retirement Heavy

Total answers in each column Multiply Totals Total Points Add Total Number of Answers in A,B and C. This is your Longetivity

Your Longevity Score

If Your Score is...

You might reasonably expect...

20–24

To live at least 6-10 years beyond normal life expectancy.

15–19

To live 1-5 years beyond normal life expectancy.

8–14

To live about average life expectancy.

Less than 8

To live less than average life expectancy.


WHAT WILL YOUR RETIREMENT LOOK LIKE? Assessing Your feelings about retirement will go a long way toward your goals. Please Respond to each Statement by indicating your degree of disagreement

Strongly Agree

Somewhat Agree

Not Sure

Somewhat Disagree

Strongly Disagree

I expect to outlive my average life expectancy by a number of years. I want to take full advantage of the early years of retirement to live life to the fullest. I believe I will collect most of the Social Security benefits that I am owed. I don’t want to spend all the money I have on my retirement; I want to leave something to my heirs. I am concerned about living alone at older ages. I like the idea of working part-time in retirement in a job of field that I might enjoy. I want the early years of my retirement to be easy, relaxed and worry-free Health issues could play major part in how I approach retirement planning. I worry a lot about the possibility that my assets or income might run out in retirement. I worry about the impact of inflation on my retirement income. I worry that I will make big mistakes in important decisions, such as a rollover. After retirement starts, I should preserve my assets by not taking much investment risk. I worry about paying for health care costs in retirement I expect to live in a different house or community during most of retirement than where I live now.

Monthly Expense Sheet


GHPRIVATECLIENTGROUP.COM


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