ASSET MANAGEMENT. Our Business is to Create, Protect & Preserve YOUR net worth. NetWorth

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1 Our Business is to Create, Protect & Preserve YOUR net worth ASSET MANAGEMENT NetWorth Five Star Award for Best In Client Satisfaction 2010 by Gulfshore Life Magazine.

2 Since 1970, we have been providing financial security to clients with our personalized approach to wealth planning, accumulation and preservation. A Mark of Quality and A Measure of Trust Securing your dreams takes effort and energy, leaving little time for wealth management. We can take that responsibility off your hands while helping you achieve your goals. Enjoy the confidence that comes from knowing that one of the leading financial planning companies in the country is handling your plan. Since 1970, we have been helping our clients achieve financial security with our personalized approach to wealth planning, accumulation and preservation. Our goal is to help you maintain the standard of living to which you have become accustomed and to preserve your wealth for your children and grandchildren. In developing and maintaining a well thought-out wealth accumulation plan, we focus on a variety of customized strategies. We have access to a broad range of nonproprietary financial products to help achieve your goals. NetWorth Wealth Management At NetWorth you will work hand-in-hand with your personal financial planner to develop your goals. Providing support and expertise to your personal financial planner is a highly qualified team of financial specialists. NetWorth has two locations - one in the Minneapolis, Minnesota area and one in Marco Island, Florida. NetWorth has provided clients with the latest systems and technologies to give them the most dependable and dynamic approach to financial planning. NetWorth manages millions in client assets and serves the needs of clients with net worth s ranging from $20,000 to $100,000,000. Our NetWorth Wealth Management Group can help you create, protect and preserve your net worth.

3 Seamless Proactive Services Would you rather be playing the back nine of Pebble Beach or flying to that special sun-soaked island than dealing with multiple financial service companies? Our seamless proactive approach to client service is all about saving you time and worry. This unique structure means we can meet all your financial investment needs, eliminating the complexities associated with working with more than one company. We Offer: Financial Planning Zero Tax Concepts Estate Planning Small Business Planning Risk Management Planning Our seamless proactive approach ensures that your investments will keep pace with the changes in your life. Our seamless service approach is supported by a full team of professionals that will work hard to help you achieve your personal financial goals. NetWorth offers a full range of services. We will review your financial plan and portfolio proactively, anticipating your needs before you do. This process is designed to ensure that your investments keep pace with the changes in your life.

4 TO FULLY EMBRACE LIFE There s no time like the present to prepare for those long-awaited days of pursuing your passions, whether it s learning to play golf or nurturing your grandchildren. We can help you maximize the amount of free time you so richly deserve. By working with us now, we can arrange all the details that will secure your financial future. Financial Planning This is where our specialists in tax, asset allocation, investment research and estate distribution develop a comprehensive accumulation and preservation plan that best meets your needs and goals. Zero Tax Concepts Our consultants will provide proactive tax planning. We will work with your existing tax advisor to develop and implement strategies. Our common goal is for you to pay less taxes on your income and estate. Many of our clients have been able to reduce their income taxes, capital gains taxes and federal estate taxes by using our Zero Tax Concepts planning strategies. We can help you maximize the amount of free time you so richly deserve. Financial planning is complicated and dynamic by definition. Many times, the best financial plan is one that minimizes the maximum loss. Roger A. Hubley CLU, ChFC, CFP, MSFS, MSM President of NetWorth.

5 CHILDREN IS YOUR LEGACY Estate Planning Small Business Planning Establishing an estate plan can be one of the most effective ways of providing for your family and leaving a legacy for the future. Establishing an estate plan as part of your comprehensive wealth plan can be one of the most effective ways of lowering estate taxes, while providing for your family and leaving a legacy for the future. We offer the following estate planning services: Coordinate with your attorney to implement your estate plan from beginning to end Re-title assets to reduce or eliminate estate taxes Re-title assets to avoid probate Regular estate planning reviews We provide access to comprehensive trust services customized to meet your individual needs including, but not limited to: Revocable Living Trusts Charitable Remainder Trusts Irrevocable Life Insurance Trusts Various other Trusts Our business planning professionals will consult with you to evaluate or establish employee retirement plans, executive compensation and business continuation strategies. We will meet with you and/or the key team members of your organization to explore how we can best meet your needs. Risk Management Planning Our risk management team will evaluate your non-financial risks, such as umbrella liability coverage, longterm care coverage, life insurance coverage and medical coverage to be sure the unexpected does not put a halt on your future retirement.

6 INVOLVES MORE THAN MONEY Our mission is to guide you to make the right decisions for your financial future. You will enjoy and appreciate the numerous benefits of being part of the NetWorth family. This alliance entitles you access to industry professionals and educational workshops to help you achieve your financial goals. NetWorth where we strive to enhance our clients quality of life through our family values-based planning services. Free your mind to enjoy the things that are important to you! You will enjoy the numerous benefits of being part of the NetWorth family.

7 OUR BUSINESS IS TO... CREATE Yvonne Kathy Sigrid Amy Award Wining Performance We would never knowingly disappoint you! Gulfshore Life Magazine Named Roger Hubley as a FIVE STAR: Best in Client Satisfaction Wealth Manager for This is the fourth consecutive year that Roger has received this honor. More than 40,800 consumers and 4,500 financial service professionals were asked to evaluate wealth managers in Southwest Florida. Gulfshore Life Magazine has over 103,000 readers and is used by financial services customers and other service providers as a resource throughout the year. Best In Client Satisfaction 2010 Five Star Wealth Manger Consumer s Research Council of America Announced that Roger Hubley is included in Guide to America s Top Financial Planners. This is the third consecutive year that Roger has received this honor. PROTECT PRESERVE YOUR NET WORTH For a free consultation, contact NetWorth Asset Management today or visit our website at Minneapolis Branch Office 277 Coon Rapids Blvd. Suite 414 Minneapolis, Minnesota Naples-Marco Island Branch Office 870 Bald Eagle Drive Suite 5B Marco Island, Florida (763) (239) (763) Fax (239) Fax (888) Toll Free (866) Toll Free Securities Offered through Girard Securities, Inc Waples Street, Suite B, San Diego, CA (858) NetWorth Asset Management, Inc. is not a subsidiary or an affiliate of Girard Securities, Inc.

8 Roger Hubley Roger Hubley is the President and Managing Partner of NetWorth Asset Management, Inc. NetWorth has two offices- one in Minneapolis, Minnesota and one in Marco Island, Florida. He has been in business since 1970 and has years of experience in investment portfolio management, financial and insurance planning services. Roger specializes in helping clients minimize taxes via Zero Tax Concepts. Roger is a life and qualifying member of the Million Dollar Round Table (MDRT) since 1970 Roger has been the Portfolio Manager for NetWorth Asset Management since the inception of the Asset Management Program. The fundamental investment strategy used for the NetWorth clientele is asset allocation. This is normally referred to as Modern Portfolio Theory. This strategy has helped NetWorth clients reduce their investment risk while striving to obtain their investment objectives. More information on the asset management program is available upon request. Mr. Hubley's educational background includes a Bachelor of Science Degree in Business Administration from the University of Minnesota, and two Master's Degrees in Financial Services and Business Management. In addition, he has earned several professional designations, including Chartered Life Underwriter, Chartered Financial Consultant and Certified Financial Planner. In the past, Roger has served as President of the Minnesota Association of Insurance and Financial Advisors, Vice Chairman of the Education Committee for the National Association of Insurance and Financial Advisors, Board Member of the Minneapolis Society of Financial Service Professionals member of the International Forum and the Top of the Table for MDRT. The Top of the Table represents the top 1% of Financial Service Representative in the world. Mr. Hubley received recognition from Gulfshore Life Magazine as Wealth Manager of the year in 2007, 2008, 2009 and This identifies those wealth managers that are Best in Client Satisfaction. He has also authored an article entitled "A License to Steal" which was published during the A.L. Williams term insurance vs. permanent insurance battle. In 1989 he copyrighted and published a simple approach to financial planning entitled "Accumulate Capital for Tomorrow" (ACT). In addition Consumer s Research Council of America Announced that Mr. Hubley is included in in the 2009 Guide to America s Top Financial Planners. This is the third consecutive year that Roger has received this honor. Roger is a resident of Marco Island, Florida. He enjoys golfing and boating in Florida as well as at his Minnesota lake home. He has been married to Sigrid since 1971.

9 Amy Hubley Amy Hubley has been an independent representative for NetWorth Asset Management since As an advisor, she specializes in long term care, insurance, and investment planning. She offers a multi-faceted approach to planning that also encompasses additional financial issues called Accumulate Capital for Tomorrow (ACT). Amy earned a Bachelor s Degree from Simpson College, and went on to serve in the Peace Corps in Africa. After working in academia for several years as a biology teacher, Amy moved back to her home town in MN to work in the family business. Amy is licensed for life, health, disability and long term care insurance. She holds the Series 7 and Series 63 securities licenses, which provide the opportunity to offer investment options to clients. She is a member of the National Association of Insurance and Financial Advisors (NAIFA) and is currently working on the Chartered Financial Consultant (ChFC) professional designation.