Greater Purpose Greater Purpose Greater Purpose

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1 We find truth in the idea that you can achieve your financial goals when you have a in mind. Going beyond just financial security. Q3 18 Strategy We believe individuals can make a difference. We open doors for our clients, connecting them to a new world of investment opportunities. Freeing the client to achieve their individual

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3 Strategy 1) Hold: Watch for signs of any upcoming recession, yield curve flattening or flipping. 2) Carefully track corporate earnings that begin July 2018 to be sure they are as good as we hope. 3) Use up any available cash for additional investments slowly, trying to make sure we get good prices while the market is in correction. 4) International stocks aren t as hot as they were previously as global growth has slowed while US growth has picked up. 5) China got hammered due to Trump s tariffs. 6) Most emerging markets look attractive but the US dollar has been getting stronger making EM a tough investment for now. 7) Bonds continue to look unattractive. Traditional conservative investing remains very challenging ie. those investments tend to lose money as rates rise. Which Warren Services Should I Use? When? Custom Portfolio Management Alternative Investments Warren Safer- Equity Fund Bond Ladders Geographical asset allocation 10-year Cash Flow Planning Forecast Proprietary Algorithmic financial planning Comprehensive Financial Planning Estate Planning Who should use this service? Accredited WF clients All Accredited WF clients Clients who want income even at the expense of higher returns WF clients over 60 thinking about near term retirement. WF clients who run a business. WF clients over 60 and/or thinking about near term retirement especially those experiencing major life changes. Clients with over $2m with WF at standard rates, get essential legal doc prep no charge. When should I use this service? We automatically do this for you because you are a client. Discuss with your WF advisor to determine if you re accredited and what is best for you If you are accredited as per the SEC then you should have some assets in here. For all assets that you want to generate income, even if overall returns are lower than the rest of your custom stock portfolio. automatic When you get over 60 yrs old and are thinking about retirement When you get over 60 yrs old and are thinking about retirement Marriage, Divorce, re-marriage, separation, retirement, sabbatical Marriage, death, divorce, retirement Tax Strategy Change of job, marriage, divorce Tax Prep Most WF clients should use WF to prepare their taxes. Accredited clients get this service no charge. We do a lot of taxes, but we also have CPA partners when needed. Immediately. Please let us know if you have not used WF in the past, but intend to use WF in the future so we can staff accordingly. Client Connection Resources Life Insurance Buy Life Insurance Corporate Retirement (401k, Simple-IRA, SEP) can benefit from networking we do among our clients it may help you or your child get your next job. should discuss with your advisor who are currently running a company. Immediately. Make sure Karen has all your important information so we can maximize the help we provide to each person. You are automatically doing this Talk with WF before you buy insurance so we can guide you. Now is the best time to start by discussing this with your advisor.

4 CHAT Which Warren Services Should I Use? Continued HOW? Just go to our website. If you see an invitation to chat, then just click and type to chat. Incorporation Who should use this? WF clients who are starting a company. When should I start using this service? Before you start your company. We can help you incorporate, get an EIN, setup your corp documents, start a payroll, etc. You will be connected to one of us directly. This is a great way to get a quick answer to any question that pops into your head. This is a great way to introduce a friend to Warren Financial use your phone go to our website, start a chat, and introduce your friend to one of the Warren Financial advisors who is always monitoring CHAT. NOTE: due to SEC compliance rules, we can t take requests to move cash to your bank account via chat. Please call for such requests. Access to your account from your Smart Phone or computer: The website for TD Ameritrade, through which you can get your account information is: If you don t have a login, or you forget your login, or you need help, just call Justin at Warren Financial. He is our resident expert on mobile portfolio access. Philanthropy (Donor Advised Fund) Mortgage (improve your credit score) Get a loan against your taxable brokerage account, (collateralized loan) Real Estate Strategy Buying/Selling a 2 nd Home: Realtor Moving to a retirement community? Warren Safer-Equity Fund Any WF client that is planning to move. Any WF client that wants a loan and has significant assets in a non-ira, brokerage type account, this may be right for you. If all your assets are IRA type assets, this won t work for you. Any WF clients thinking of investing in real estate. WF clients who are thinking about buying/selling a 2 nd home we have partners in key areas including Cape Cod, Hilton Head, various parts of FL. And we have clients living in vacation spots all over the east coast we might be able to provide you a valuable contact. Any WF clients thinking of moving to a CCRC or over-55 community. Warren Safer-Equity Fund more than 1% ahead of the SP this year and the year is not even half over. YTD 3.04% WSEF vs 1.67% SP Now. The tax law was changed at the end of 2017 making this a MUST-DO for Before you start shopping for a loan, you may want to use our partner firm who can help you first improve your credit score, then find you the best loan. If you need a bridge loan, or any type of short term loan and you have a significant amount of money in a non-ira. Before you jump in, talk with your advisor. We have clients who have gone before you and they have passed on important information. Before you buy/sell, talk to your advisor about important subjects like tax implications, location strategies, etc. Lots of our clients have done this, so we probably have some valuable information to share with you about anywhere you are considering. Also, we should discuss LTC insurance needs. Disclosures: Warren Financial has long positions in some of the stocks mentioned in this article both for our clients and our own portfolios. The fact that a company is mentioned is not a recommendation or offer to buy or sell that stock or bond. Investors should always seek advice from an advisor that knows their particular financial situation and not assume that general information such as the information in this article will always apply directly to their portfolio. Investing includes the risk of loss. Watch your for annual updates on SEC required documents from Warren Financial as well as for the Warren Safer-Equity Fund audited financials. WarrenFinancial.com

5 Getting to know the Warren Financial TEAM Summer vacation is upon us. What does your summer look like? Here is our summer. While the team is always busy and always worrying about the markets and the economy, occasionally even hard working people need to get away. Scott Shellhamer, Managing Partner Here is Scott and daughter Molly on vacation at Disney California. Scott is an avid CrossFit guy working hard to stay in shape and achieving the dream of staying young giving us all inspiration. Karen Copeland, Dir Technology Karen had a busy year with 2 kids getting married last summer. Here are some pics of them in Hawaii. And the whole combined family at Wildwood NJ. Randy Warren, CEO Randy likes to head to the beach in the summer. The hotter the better. Therefore, Randy, Vicki, Mitchell, Austin, and Brenna will head off for a week at Hilton Head beach. We ve owned a time-share in Hilton Head for about 20 years at Grand Ocean. Here s Randy and Warren Financial founder Bill Warren at Hilton Head. Vicki and Randy in the middle. The picture on the right contains not just Randy, Vicki, Mitchell, Austin, and Brenna, but the newest addition, Mitchell s fiancé Hattie Coker. Mitchell is in his 4 th year of medical school. Austin is finished college and learning the finance business by working at Vanguard, and Brenna is just beginning her sophomore year and playing soccer at Liberty University.

6 Getting to know the Warren Financial TEAM Troy Logan, Managing Partner Troy and Caroline love the outdoors, especially Maine. Here they are up in Acadia National Park area early in June. John O Toole, Managing Partner John and daughter Shannon at Pope s castle Avalon France. Shannon (Clemson University) spent the spring semester studying in France and John went over to visit. Bob McCarty, Managing Partner Bob & Kris McCarty are apparently big fans of the zoo! Who knew? Justin Sisson, Financial Analyst Justin and his family love golf. While Justin is an exceptionally good golfer, his younger brother Jeremy may even be better. Jeremy competes at golf at a very high level. Maybe someday Jeremy Sisson will be on the pro tour but first, let s get him a D1 scholarship!