2. Richmond Brothers, Inc. is a Registered Investment Adviser. Richmond Brothers, Inc. does not provide tax or legal advice; consult your tax or legal advisor regarding your particular situation. The indices mentioned in this seminar are unmanaged and not available for direct investment. Past performance is no guarantee of future results. Opinions, estimates, forecasts, and statements of financial market trends that are based on current market conditions constitute our judgment and are subject to change without notice. We believe the information contained in this commentary has been obtained from sources that are reliable. This presentation is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. These are the views of Platinum Advisor Marketing Strategies, LLC, and not necessarily those of the named representative, Broker dealer or Investment Advisor, and should not be construed as investment advice. Neither the named representative nor the named Broker dealer or Investment Advisor gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your financial advisor for further information. FORMALITIES

3. Source: National Clearing House for Long Term Care Information, 2011 GENERAL TRIVIA Q: _____ percent of people over 65 will need help at some point with everyday living tasks (such as bathing, eating and dressing). A: 40 B: 50 C: 60 D: 70

4. A Review of 2013 Factors Affecting the Stock Market and Economy 2014 Forecasts Tax Time Reminders AGENDA

5. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. All index returns exclude reinvested dividends. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Yahoo Finance. All data as of December 31 st, 2013. SINCE THE 2007 PEAK S&P 500 – October 2007 through December 2013 1800 1600 1400 1200 1000 800

6. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. All index returns exclude reinvested dividends. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Yahoo Finance. All data as of December 31 st, 2013. 2013 SNAPSHOT Fed Hints At End of QE Approaching Sequestration Deadline Renewed Tapering Fears Government Shutdown Budget Debates

7. Source: Barrons.com 2013 FORECASTS Analyst Expectations vs. Actual S&P 500 Close for 2013

8. COMPARING RETURNS Source: Google Finance, MSCI Barra. Disclosures on following slide. 2013 Index Performance

9. DISCLOSURES The indices mentioned on the previous slide are unmanaged and not available for direct investment. Past performance is no guarantee of future results. All data is sourced from Yahoo Finance and MSCI unless otherwise noted. S&P 500 measures the performance of large capitalization U.S. stocks. The S&P 500 is a market-value-weighted index of 500 stocks that are traded on the NYSE, AMEX, and NASDAQ. The weightings make each companys influence on the Index performance directly proportional to that companys market value. S&P 500 Growth and S&P 500 Value measure the performance of the growth and value styles of investing in large cap U.S. stocks. The indices are constructed by dividing the market capitalization of the S&P 500 Index into Growth and Value indices, using style factors to make the assignment. The Value Index contains those S&P 500 securities with a greater-than-average value orientation, while the Growth Index contains those securities with a greater-than average growth orientation. The indices are market-capitalization-weighted. The constituent securities are not mutually exclusive. Russell 2000 measures the performance of small capitalization U.S. stocks. The Russell 2000 is a market-value-weighted index of the 2,000 smallest stocks in the broad-market Russell 3000 Index. These securities are traded on the NYSE, AMEX, and NASDAQ. Russell 2000 Value and Russell 2000 Growth measure the performance of the growth and value styles of investing in small cap U.S. stocks. The indices are constructed by dividing the market capitalization of the Russell 2000 Index into Growth and Value indices, using style factors to make the assignment. The Value Index contains those Russell 2000 securities with a greater-than-average value orientation, while the Growth Index contains those securities with a greater-than-average growth orientation. Securities in the Value Index generally have lower price-to-book and price- earnings ratios than those in the Growth Index. The indices are market-capitalization-weighted. The constituent securities are not mutually exclusive. MSCI EAFE is a Morgan Stanley Capital International Index that is designed to measure the performance of the developed stock markets of Europe, Australasia, and the Far East. MSCI Emerging Markets is a Morgan Stanley Capital International Index that is designed to measure the performance of equity markets in 21 emerging countries around the world. Barclays Aggregate Bond Index (formerly the Lehman Brothers Aggregate Bond Index) includes U.S. government, corporate, and mortgage-backed securities with maturities of at least one year.

10. COMPARING HYPOTHETICAL RETURNS This is a hypothetical example only, and is not intended to represent any actual investment. Indexes are unmanaged and not available for direct investment. Past performance is no guarantee of future results. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. The Barclays Aggregate Bond Index includes U.S. government, corporate, and mortgage-backed securities with maturities of at least one year. The 50% Stock / 50% Bond blend is a hybrid of 50% S&P 500 and 50% Barclays Aggregate Bond Index. All index returns exclude reinvested dividends. Past performance is no guarantee of future results. Data Source: Google Finance. 2013 Index Performance

11. Barclays Aggregate Bond Index (formerly the Lehman Brothers Aggregate Bond Index) includes U.S. government, corporate, and mortgage-backed securities with maturities of at least one year. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Google Finance. All data as of December 31 st, 2013. BONDS

12. Barclays Aggregate Bond Index (formerly the Lehman Brothers Aggregate Bond Index) includes U.S. government, corporate, and mortgage-backed securities with maturities of at least one year. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Yahoo Finance. All data as of December 31 st, 2013. BONDS Barclays Aggregate Bond Index – 2013 Performance

13. Source: BLS.gov, online.wsj.com. Projections are based on opinions of analysts polled at the time of the survey. Survey conducted December 6-10, 2013. The Wall Street Journal surveys a group of 56 economists throughout the year. FORECASTS: FED FUNDS TARGET RATE Historical Forecast

14. Source: Bloomberg, 9/30/13. GDP (Gross Domestic Product) is the total value of all final goods and services produced in a country in a given year. Past performance does not guarantee future results. ECONOMIES OF THE WORLD

15. Source: FuelFix FINANCIAL TRIVIA Q: The biggest one-year jump in U.S. average daily oil production occurred in… A: 1956 B: 1980 C: 2012 D: 2013

16. A Review of 2013 Factors Affecting the Stock Market and Economy AGENDA

17. HOUSING Sources: (Left) National Association of Realtors, Standard & Poor's, FHFA, FactSet, J.P. Morgan Asset Management. (Top right) Census Bureau, J.P. Morgan Asset Management. Monthly mortgage payment assumes the prevailing 30-year fixed-rate mortgage rates and average new home prices excluding a 20% downpayment. (Bottom right) Census Bureau, National Association of Realtors, J.P. Morgan Asset Management. Guide to the Markets - U.S. Data are as of 12/31/13. Home Prices Indexed to 100, seasonally adjusted

18. HOUSING Sources: (Left) National Association of Realtors, Standard & Poor's, FHFA, FactSet, J.P. Morgan Asset Management. (Top right) Census Bureau, J.P. Morgan Asset Management. Monthly mortgage payment assumes the prevailing 30-year fixed-rate mortgage rates and average new home prices excluding a 20% downpayment. (Bottom right) Census Bureau, National Association of Realtors, J.P. Morgan Asset Management. Guide to the Markets - U.S. Data are as of 12/31/13.

19. EMPLOYMENT Source: BLS, FactSet, J.P. Morgan Asset Management. Guide to the Markets - U.S. Data are as of 12/31/13. 6.7% 10%

20. CORPORATE CASH Source: Standard & Poors, FactSet, J.P. Morgan Asset Management. Data are as of 12/31/13.

21. INFLATION Source: BLS, FactSet, J.P. Morgan Asset Management. CPI used is CPI-U and values shown are % change vs. 1 year ago and reflect November 2013 CPI data. Core CPI is defined as CPI excluding food an energy prices. Guide to the Markets – U.S. Data are as of 12/31/13.

22. Source: TreasurDirect.gov FINANCIAL TRIVIA Q: Today, the national debt is over $17 trillion. In 1981, it was less than… A: $1 trillion B: $3 trillion C: $7 trillion D: $11 trillion

23. A Review of 2013 Factors Affecting the Stock Market and Economy 2014 Forecasts AGENDA

24. Source: Business Insider 2014 FORECASTS 2014 S&P 500 Target Average 1,949 (5.46% growth)

25. Source: The views displayed on this slide represent the opinions of Oppenheimer as of 12/31/13, are subject to change based on subsequent developments, are not intended as investment advice, and are not intended to predict or depict the performance of any investment. FORECAST Interest Rates U.S. Housing Global Economic Growth Credit Inflation U.S. Politics Consumer Equity Valuations Geopolitical Risks Cyclical Slowdown In Emerging Markets

26. CURRENT INTERESTS February 4, 2014

27. Source: UBS U.S. Equity and Derivatives Strategy 2014 Outlook RISING RATES AND STOCKS 198634.7% over 8 months 198841.9% over 28 months 199911.3% over 9 months 200437.2% over 40 months

28. BE WELL. …a one-day drop in equities of around 1.5% is followed by about a 0.26% increase in hospital admissions on average over the next two days. Equity-market losses appear to induce 3,700 market- related hospitalizations a year in California… Source: InvestmentNews

29. Source: Huffington Post FINANCIAL TRIVIA Q: Start with a dollar. Double it every day. In 48 days you'll own… A: $20 million B: $200 million C: $200 billion D: $200 trillion

30. A Review of 2013 Factors Affecting the Stock Market and Economy 2014 Forecasts Tax Time Reminders AGENDA

31. TAX HELP February 18 th, 2014 Most tax forms available Visit website (www.richmondbrothers.com) for resources: Tax brackets Mailing dates Links to most requested tax forms on IRS

32. FIDELITY LOGIN

33. AGENDA TAX STATEMENTS

34. AGENDA TAX STATEMENTS

35. UNTIL NEXT TIME… Contact us today: Phone: 517-536-5000 Toll Free: 877-467-2367 E-mail: questions@richmondbrothers.comquestions@richmondbrothers.com Web: www.richmondbrothers.com