Russell Luna, ChFC, CLU, CDFA, AEP, CLTC (800) Investment Advisor Services Offered Through First American National Investment Advisors, LLC

Accreditation  Chartered Financial Consultant  Chartered Life Underwriter  Accredited Estate Planner  Long Term Care Certified  Financial Fiduciary  Held to the highest financial standard of trust

OBJECTIVE INDEPENDENT ADVISOR  Financial Practice – 30 Years  Holistic Approach – Multi-Disciplined Practice  Develop Strategies, not just products  Preserve Wealth and Protect Lifestyles  Tax-Efficient Approaches  Estate Planning

Affiliations  International Academy of Collaborative Professionals  Colorado Bar Association  National Association of Insurance and Financial Advisors  Colorado Association of Insurance and Financial Advisors  The Estate Planning Council of Southeast Denver, LLC  The Corporation for Long Term Care

Settlements “ While the payouts help recipients pay for expenses and other costs, many lack the financial know-how required to skillfully manage large awards ”. We keep the process simple!

 Personal Injury  Med Mal  Wrongful Death  Workers’ Compensation  Civil Settlements  Employment Litigation  Sexual Harassment  Wrongful Termination How Can We Help?

Post Settlement Issues  Liens Medicaid SSDI  Health Insurance  Structured Settlement Lump Sum or Structured?  Investment Management Has an expert money manager been recommended?  Special Needs Trust  Settlement Preservation Trust More likely that the Trust will not be sold  Estate Planning What issues have been considered?

Alternative Settlement Solutions  Lifetime of guaranteed payments  IRC Section 130(d) U.S. Government obligations and annuities are the only acceptable funding vehicles in structured settlements.  The SPIA provides a guaranteed income for life usually at higher yields than CDs, bonds and other traditional financial products.  Payments can be fixed or have a pre-determined annual COLA Can be designed to meet present and future needs

What Sets Us Apart?  Apply academic research to investing  Access to Dimensional Fund Advisors (DFA)  Apply academic research to the practical world of investing  Excellent Customer Service  Value and Support Active Management Strategy

Relationship Managers “Matching Clients To Portfolios” Scientifically designed portfolios  Low cost asset classes  Highest quality investment options  Portfolio Managers apply proven principles of the Nobel Prize-winning Modern Portfolio Theory to asset management

Assurances Chartered Financial Consultant  Held to the Fiduciary Standard  Put clients' best interest ahead of my own Affidavit of Disclosure  Offers protection from fraud and misrepresentation  Affidavit asserts the integrity of the settlement process  Assures the full disclosure of terms  Carries all penalties for perjury Do not pay commission rebates to any party or insurer Fully disclose company ratings and never misrepresent the cost of a structured settlement Always disclose the true cost of the structured settlements Do not attempt to artificially inflate the value of any settlement Not an "in house" or captive broker owned or controlled by an insurance carrier

Periodic Client Reviews  Rebalancing review  Investments continue to match risk profile  Full Service Back Office Support  Online access to client accounts  Portfolio Management Consultation