1. Managing Your Finances: A Personal Financial Security Review © 2011 VSA, LP Valid only if used prior to January 1, 2012. The information, general principles and conclusions presented in this report are subject to local, state and federal laws and regulations, court cases and any revisions of same. While every care has been taken in the preparation of this report, neither VSA, L.P. nor The National Underwriter is engaged in providing legal, accounting, financial or other professional services. This report should not be used as a substitute for the professional advice of an attorney, accountant, or other qualified professional.

2. Think About It… Your earning power – your ability to earn an income – is your most valuable asset. Few people realize that a 30-year-old couple will earn 3.5 million dollars by age 65 if their total family income averages $100,000 for their entire careers, without any raises. What steps have you taken to protect your earning power in the event of death or disability? How much of this money will be available to achieve future financial objectives, such as funding a child’s college education or enjoying a secure retirement? How much of your earning power will you save and keep saved? 2

3. What Are the Personal Financial Security Needs? 3 Protecting Your Family’s Future How will your family replace your earning power in the event you die prematurely? Preparing for Your Retirement What will happen to your standard of living when your earning power ceases at retirement? Providing for Your Child’s Education How much of your earning power will be available to help pay for your child’s education? In order to provide for themselves and their families, as well as protect the way they live, most people want to provide for one or more of these personal financial security needs...

4. 4 What Are the Personal Financial Security Needs? Preparing for Disability If you are sick or hurt and unable to work, how will you replace your earning power? Making Your Home Debt-Free How much of your earning power will be spent on unnecessary mortgage interest? Planning Your Estate Have you made plans to have funds available to pay estate settlement costs at your death? In order to provide for themselves and their families, as well as protect the way they live, most people want to provide for one or more of these personal financial security needs...

5. 5 Protecting Your Family’s Future Preparing for Your Retirement Providing for Your Child’s Education Preparing for Disability Making Your Home Debt-Free Planning Your Estate Which of these needs would be your top priority? What Are the Personal Financial Security Needs?

6. 4 Key Areas of Concern for Women 1.Earnings gap Woman make on average $57,000 annually compared to $84,000 for men Which equals more money to put towards retirement 2. Time out of the workforce Less money to put towards retirement Often return to the work force with a cut in pay

7. 4 Key Areas of Concern for Women 3.Divorce Most families are supported by two incomes After divorce standard of living often times is different. Asset may appear to be divided up equally but you have to look closely and think long term. 4.Women outlive men In Georgia life expectancy for men is 74 and women is 78 (more living past age 100) Longer time in retirement

8. 18 A Four-Step Process Managing your finances in order to achieve personal financial security is a four-step process: Step 1: Analyze Your Current Situation Step 2: Identify and Prioritize Financial Goals Step 3: Develop and Implement a Plan Step 4: Review and Update Your Plan on a Regular Basis Personal Financial Security

9. 19 You Can Manage Your Finances… The longer you wait, the more difficult it becomes to achieve your personal financial security goals. Shall we begin today?

10. Thank You!!! Infinity Financial, LLC 400 Galleria Parkway Suite 1500 Atlanta, Georgia 30339 www.latoyaparker.com (t) 770-990-0120 (f) 800-640-4016 (e) latoya@latoyaparker.comlatoya@latoyaparker.com Securities offered through and supervised by Wilbanks Securities, Inc. Member FINRA, SIPC 4334 NW Expressway, Suite Oklahoma City, OK 73116 405-842-0202 Fee based services offered through Wilbanks Securities Advisory