Presented by:

David S. Richmond, CLU, ChFCChairman & Chief Investment Officer

Kira L. BuffaMarketing Associate

Richmond Brothers is a licensed Investment Advisor Representative in the states of Arizona, Colorado, Florida, Iowa, Kentucky, Michigan, North Carolina, Ohio and Texas

Licensed to sell securities, annuities, & insurance Affiliated with Sammons Securities Co.®, LLC,

member FINRA/SIPC & Midland National Richmond Brothers Financial Management

Specialists, Inc. offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC

Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor

Richmond Brothers offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC. The broker/dealer for Midland National’s variable products is Sammons Securities Co. Sammons Securities Co. is a registered broker/dealer under the Securities Exchange Act of 1934. Sammons Securities Co. is an indirect wholly owned subsidiary of Sammons Enterprises, Inc., of Dallas, Texas, the ultimate parent company of Midland National.

This is not intended to be a sales seminar. The purpose of this Webinar is to provide you with general information on investment tips

There will be an opportunity to schedule an appointment for an individual consultation at the end of this Webinar which may result in a recommendation of specific financial products that may help you achieve your financial goals

There is no obligation to schedule an appointment or purchase a product

Guidelines for Investing

Overview

Lose the hedge fund mentality and invest for the long term

SHAKE

you out of a good, long-term thesis

Following a stock picker means STICKING WITH THEM

Don’t mind your winners, mine them!

Continue to monitor your theory, your patience may be rewarded!

Buy investments to be held for several years

Make sure they have specific purpose in allocation of portfolio

*Diversification does not ensure a profit or guarantee against loss; it is a method used to help manage risk

If all of your holdings If all of your holdings are up about the are up about the same percentage same percentage (correlating to the (correlating to the market), you are market), you are probably not probably not adequately adequately diversifieddiversified

About 50% of stock’s About 50% of stock’s return is due to the return is due to the sector and not the sector and not the individual companyindividual company

Source: Real Money, written by Jim Cramer

Buy stocks in sectors you believe in

Remember: there is a large variety of good sectors to diversify* into

*Diversification does not ensure a profit or guarantee against loss; it is a method used to help manage risk

Choose sectors Choose sectors that might work & that might work & focus on the best focus on the best companies in companies in those sectorsthose sectors

Disclaimer: This chart is not meant to represent any particular security, it is for illustrative purposes only

If possible, have 5% cash on hand

What are the What are the indicators?indicators?

Will indicators Will indicators tell me in tell me in advance of advance of movement?movement?

Be aware of how much you can lose

Scale out on the way up

Invest into things that have not recovered yet

Remember: A Remember: A dollar of cash flow dollar of cash flow can be spent or can be spent or reinvestedreinvested

A dollar of A dollar of appreciation can appreciation can only depreciate only depreciate

Make a plan and stick with it (once you’ve done your research)

Don’t let your emotions or short term news get in the way of your plan

Invest in what you know Know the risks Make sure you have cash flow in the

distribution phase

E-mail Kira at kira@richmondbrothers.com or

Call toll-free (877) 467-2367 ext. 17

Thank you for joining us!