Neil Garrison, Financial Advisor

PRESENTED TO:
Chaz Price, Financial Advisor

7261 West Central Ave.

PROSPECTIVE CLIENTS
Toledo, Ohio 43617

419-214-4000

Neil.Garrison@RaymondJames.com

Chaz.Price@RaymondJames.com

www.wealthatgarrison.com

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC

2013 Raymond James Financial

Services, Inc., member FINRA/SIPC
Raymond James is a registered
trademark of Raymond James
Financial, Inc. Material prepared by
Raymond James for use by its
advisors.

OUR TEAM
Our team is committed to professional development and teamwork. We participate in numerous forms of
continuing education throughout the year to further our ability to serve our clients.

Neil Garrison

President of Garrison Financial

Financial Advisor for Raymond James Financial Services

Series 7,9,10, 24 and 65 licensed

26 years of experience

Neil is responsible for the design, implementation and the review of client portfolios

MBA from Notre Dame

Enjoys golf, squash, coaching, community service and investing

Chaz Price

Managing director of Garrison Financial

Financial Advisor for Raymond James Financial Services

Series 7, 65 licensed

10 years of experience

Chaz is part of the financial planning process and responsible for the design and implementation of the firms strategic initiatives

MBA from University of Toledo

Enjoys, golf, running and spending time with family

OUR VISION

OUR VISION

We commit to remaining a dependable, results-oriented wealth management firm, with a solid

reputation for excellence and a proven track record for long-term success.

OUR METHODS

We use smart strategies and real solutions to understand our clients needs, balance their risks
and help them take advantage of realistic opportunities.

OUR FOCUS

We work hard to ensure the employees, families and stakeholders of our clientele enjoy
comfortable, secure retirements.

THE RAYMOND JAMES ADVANTAGE

Account Protection

ASSETS HELD WITHIN A RAYMOND JAMES ACCOUNT

ARE PROTECTED IN THREE WAYS.

The financial strength of Raymond James.

Raymond James & Associates is a member of the Securities Investor Protection Corporation (SIPC),
which protects securities customers of its members up to $500,000 (including $250,000 for claims for
cash). An explanatory brochure is available upon request, at sipc.org or by calling 202.371.8300.

Raymond James has purchased excess SIPC coverage through various syndicates of Lloyds, a
London-based firm. Excess SIPC is fully protected by the Lloyds trust funds and Lloyds Central
Fund. The additional protection currently provided has an aggregate firm limit of $750 million,
including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful
abstraction of customer funds. Account protection applies when a SIPC-member firm fails financially
and is unable to meet obligations to securities clients, but it does not protect against market
fluctuations.

THE RAYMOND JAMES ADVANTAGE

The decision to hire a professional financial team should take into account the quality and professionalism
of the firm that stands behind them.

In choosing to do business with our team, you are also doing business with Raymond James.

It is important that you understand how our teams relationship with Raymond James benefits you by
providing us the tools and resources to execute our mission to serve clients to the best of our abilities.

THE RAYMOND JAMES ADVANTAGE

Despite the financial turmoil of the past few years, Raymond James has delivered 102 consecutive quarters of profitability and 28-straight
years of paying dividends to shareholders. We credit much of this performance to the firms client-first perspective and adherence to its founding
core values of professional integrity, advisor independence, and a conservative, long-term approach to investing.

BY THE

Over 2,500 locations (United States,

Canada and abroad)

NUMBERS

More than 10,000

associates worldwide

Over6,300

financial advisors

More than 2.5 million client

accounts

Approximately$405 billion in client

assets

STRENGTH AND STABILITY

Earnings Per Share Trailing 10 Years

2012 Total Revenue By

Business Unit

HONORS AND
ACCOLADES

In April 2013, the Wall Street

Journal recognized three Raymond
James analysts in the 2012 Best

on the Street survey. This survey, the oldest of

stock selection surveys being published,
identifies the top three analysts from over 2800 in
each of 44 industries based on stock picking skill.
Only five other firms, of which 3 are competing
full-service brokers, had more analysts
recognized.

In March 2013, Fortune magazine ranked

Raymond James Financial as one of the top five

most admired securities companies in the

world for the third year in a row. The survey
involved 698 companies from 32 countries.
Judging was based on attributes such as
quality of management, products, services and
social responsibility.

In the prestigious Financial Times 2012

StarMine Analyst Awards, 12 Raymond James
analysts received 11 awards, ranking the firm
ninth among all U.S. brokerage firms.

Updated 7/25/2013. The data provided is for informational purposes only and is not a solicitation to buy or sell Raymond James Financial stock. Past performance may not be indicative of future results. The Wall Street Journal does not endorse,
sponsor or approve the investment programs of Raymond James. StarMine objectively measures the performance of analysts based on the returns of their buy/sell recommendations and the accuracy of their earnings estimates. Fortune ranking
based on an average score of nine key attributes of reputation: people management, use of corporate assets, social responsibility, quality of management, financial soundness, long-term investment, quality of products/services, global
competitiveness, and innovation.

CLIENT SOLUTIONS PLANNING FOR RETIREMENT

Selected Retirement Resources
For business owners
and

INVESTOR
INDIVIDUAL

a variety of
educational
guidance with the
IRA

EDUCATION AND

executives, Raymond

RETIREMENT
QUALIFIED PLAN

SOFTWARE TOOLS
ACCOUNTS (IRAs)

materials,
presentations
and Roth IRA
selection
James specialists
can

CONSULTING
and planning tools on
Our team has access to
Our team can provide

process, contribution

provide counseling on

important topics to the

minimum
distributions,
Technical advice is

guidelines and distribution

which retirement plan is

current or future retiree.

guidelines. The team also

scenarios for clients

in
estate planning,
beneficiary
available on all
aspects of

appropriate for your

In addition, we use

order to illustrate
specific

assists in IRA planning

designations and

situation and advice on a

retirement plans
including

specialized software that

as it pertains to required
plan format and design.

withdrawal scenarios,
substantially equal
the interpretation of
rules

can model retirement

possible investment
payments.
and new laws.
providers are most
outcomes, and the impact

The team provides

suitable for a specific
case

of taxes and inflation.

and assists with the

guidance as to which plan

selection process,
plan

setup and plan monitoring.

VARIABLE

ANNUITIES*

*Please refer to disclosures on the next slide.

Variable annuities
can be important
tools in retirement
accumulation and
income planning. We
can work with you to
determine if annuities
are a viable tool to
help you accomplish
your goals.

CLIENT SOLUTIONS ADVANCED PLANNING STRATEGIES

For many, one of the most rewarding aspects of wealth is sharing it with others. Whether your desire is to create a
multi-generational wealth preservation and transition plan for your family, provide funding to a charitable entity, or
provide for a family members higher education, we have access to a variety of tools to help address your legacy and
wealth transfer concerns.

TRUST AND ESTATE

PLANNING STRATEGIES

We can provide estate planning

analysis. With the resources of
Raymond James Trust, N.A. at
our disposal, we can assist clients
in the trust planning process and
leverage the expertise of a
professional fiduciary.

CHARITABLE

STRATEGIES

While many individuals give to

charity, few take the time to create a
well-designed charitable strategy
that considers personal tax benefits
and control over your investments.
We can assist with strategies such
as:

Charitable Remainder Trusts

Charitable Lead Trusts

Pooled Income Funds

Charitable Gift Annuities

Donor Advised Funds

Private Family Foundations

EDUCATION

FUNDING

For many, Section 529 college

savings plans are an attractive way
to fund a family members higher
education. In addition to taxfavored accumulation and
withdrawal, you can maintain
control over the assets in a 529
plan and change the beneficiary
over time.

Others may consider the Coverdell

ESA, especially when funding for

primary or secondary education

expenses.

Investors should carefully consider the investment objectives, risks, charges and expenses associated with 529 college
savings plans before investing. More information about 529 college savings plans is available in the issuers official
statement, and should be read carefully before investing.

Favorable state tax treatment for investing in Section 529 college savings plans may be limited to investments made in plans offered by your home state.

Our process is a consultative, planning-based endeavor.

At its core is a clear understanding of your values, goals, key relationships,

assets, interests, contact preferences, our team, select Raymond James
specialists and outside specialists where appropriate.

CLIENT SERVICE MODEL OVERVIEW

Client Discovery

We use a variety of methods and processes to fully integrate your goals, financial situation,
investment experience and risk tolerance, into one comprehensive financial plan. We discuss with
you the right financial tools, capabilities and resources you need to achieve the retirement you
deserve.

Strategy Selection

Our team analyzes the information youve shared with us and designs a solution intended to help
reach your objectives. This step may involve a Goal Planning & Monitoring (GPM) session, as well
as collaboration with other strategic alliances. The result of our analysis is a realistic plan of action
that provides guidance and focus towards your long-term goals.

Plan Implementation

We implement your plan using a team of dependable money managers with solid reputations,
long-term philosophies and a commitment to getting results. The selection of specific account
types, investment products and optional services is tailored exclusively to meet your unique
situation, time frame and preferences.

45-Day Follow-Up

Once the plan is

implemented, the 45-Day
follow-up meeting gives
us an opportunity to help
you understand your
statements and organize
your documents. For your
convenience, we provide

you a colorful binder tabbed with important sections such as Tax Documents, Confirmations and
Quarterly Performance Reports.

Goal Monitoring

We carefully monitor your financial plan and track its progress towards the goals youve
established. We conduct on-going performance reviews, schedule periodic face-to-face meetings,
provide 24-hour cell phone access and recommend as-needed adjustments to your portfolio to
help ensure youre prepared for the future.

CLIENT SERVICE MODEL OVERVIEW

We employ a disciplined, consultative process to craft customized, highly integrated financial solutions for our clients.
Client
Discovery

45-Day
Follow-up

Building stronger relationships is key to

fully understanding our clients needs
and helping them meet the challenges
they face most effectively.
Strategy

With that in mind, each component of

our five-step, consultative process is
designed to foster trust, deepen our
relationships and delight our
prospective and existing clients with
world-class service.

Selection

Goal
Monitoring

Plan
Implementatio
n

Goal
Planning

Review/Establish

Goals

Implement/
Maintain
Plan

10

Confirm/Chan
ge

Strategies

CLIENT SERVICE MODEL OVERVIEW

Raymond James
is a firm founded
on the principles
of financial
planning. While
our investment
resources are
extensive, our
Client Process
extends beyond
the management
of portfolios. It
encompasses
our clients
financial needs
beyond their
lifetimes.

Our team has access

to a variety of
independent
specialists who
provide meaningful
insight into our
advanced wealth
planning process.

Wealth
Enhancement

Wealth Transfer

Wealth Protection

Charitable Giving

Specialists

Garrison
Financial, LLC

Attorneys

Charitable Giving

Certified Public

Derivatives

Insurance

Specialists

Accountants

Specialists

11

OUR INVESTMENT PROCESS ASSET ALLOCATION

Asset allocation decisions are among the most important factors affecting total portfolio volatility.

FACTORS IN PORTFOLIO VOLATILITY

Market Timing: 1.8%

Asset Allocation
Security Selection: 4.6%

Decisions:

91.5%

Other: 2.1%

Source: Brinson, Beebower and Associates, Determinants of Portfolio Performance, 1986, updated 1991 and 1995. Asset allocation does not ensure a profit or protect against a loss.

12

OUR INVESTMENT PROCESS RISK AND REWARD

Expected Return

Aggressive
Global Equity

Balanced with

G
r
o
w
th

Conservative
Balanced

E
m
p
h
a
si
s
o
n

Conservative

G
r
o
w
th

G
r
o
w
th

Lower-Risk
Higher-Risk
Portfolios
Portfolios

Balanced

Risk (Standard Deviation of Return)

An efficient frontier represents every possible combination of assets that maximizes return at each level of
portfolio risk and minimizes risk at each level of portfolio return.

The above illustration depicts the typical relationship between risk and return. Generally, investors are
expected to be compensated in returns for assuming higher levels of risk.

Asset allocation does not ensure a profit or protect against a loss. Standard deviation measures the
fluctuation of

returns around the arithmetic average return of the investment. The higher the standard deviation, the greater the variability
(and the risk) of the investment returns.

OUR INVESTMENT PROCESS INVESTMENT SELECTION

We have access to a wide variety of investments when designing portfolios for our clients and with the support of
Raymond James research and due diligence, and our own analysis and understanding of your needs we choose
investments best suited to your needs, constraints, obligations and goals.

INVESTMENT UNIVERSE

(Professional Asset Managers, Mutual

Funds, ETFs, Annuities, Stocks, Bonds,

Raymond James
REITs, Alternatives, etc.)

Our Quantitative and

Research and

Qualitative Analysis

Due Diligence

RELEVANT INVESTMENTS

(Quality investments

appropriate to your situation)

Knowledge of Your

Personal Situation

SPECIFIC

RECOMMENDATIONS

(Investments chosen

for you)

Please refer to disclosures on the next slide.

14

ONGOING COMMUNICATION GOAL PLANNING AND MONITORING

As you look to the future, there are a lot of unknowns, and the key to a secure and comfortable retirement is making
sure that your plan is flexible enough to withstand the unexpected. Using our innovative, propriety Goal Planning and
Monitoring tool, we can evaluate your personal plan for its sensitivity to changes in many of the different risks that can
impact your chances of achieving your goals.

Impact of spending behavior

Longevity

Spending and

Outliving your money

Withdrawals

Unknowns

Long retirement horizons due

to

Running out of money

What if

longer life expectancies

Wants vs. needs

Long-term care needs

Potential disability

Outliving assets

Sustainability of withdrawals

Medical expenses
death of a spouse

Early

Unexpected expenses

Inflation

Market Risks

Things cost more over time

Cant control the markets

Erodes the value of savings

Uncertain returns and income

and reduces returns

Bear Market Stress-Tests

Healthcare inflation 6+%

Asset allocation and location

Source: U.S. Bureau of Labor Statistics

15

ONGOING COMMUNICATION AWARD-WINNING CLIENT STATEMENTS

Select our Comprehensive Statement* or our new

Executive Overview

Our Comprehensive Statement offers detailed information, including:

Cost basis and date acquired

Subcategories within each portfolio section

Chronological sorting of all activity

Charts and graphs that provide additional information

Our Executive Overview provides a streamlined version of your statement:

Focused on essential account information

Delivered in a simple, easy-to-read format

Printed portrait-style and mailed in a standard envelope

Change your mind about whether you want the detail that our Comprehensive

Statement offers or the conciseness of our Executive Overview? No problem.

Just let us know, and well make the change for you.

*Raymond James Financial, Inc.s enhanced client statement, which debuted in early 2007 to clients of its domestic wholly owned broker/dealer subsidiaries,
Raymond James & Associates and Raymond James Financial Services, was ranked third-best among a field of 23 competitor firms in the latest rankings
from Dalbar, the nations leading financial services market research firm, in their 2007 Trends and Best Practices in Brokerage Statements study.

16

ONGOING COMMUNICATION INVESTOR ACCESS

Investor Access combines the freedom of online services with the essential support and guidance of
your professional financial advisor. With this service you can review activity and balances in all your
accounts, individually or combined.

Complete access to your brokerage accounts and secure documents, as well as in-depth research
and timely commentary

Simple, easy-to-navigate design

Quick-review home page featuring account summary and other convenient links

Multiple account statement delivery options

Quicken , Microsoft Money and TurboTax download capability

Mobile access via the Investor Access smartphone app

17

ONGOING COMMUNICATION OPTIONAL COMMUNICATIONS

In addition to your monthly statement, we can send you a variety of regular communications based on your specific interests.

18

NEXT STEPS

19

CLIENT SOLUTIONS VARIABLE ANNUITIES DISCLOSURE

Investors should consider the investment objectives, risks, and charges and expenses of
variable annuities carefully before investing. The prospectus contains this and other
important information. Prospectuses for both the variable annuity contract and the underlying
funds are available from our office and should be read carefully before investing.

Variable annuities are long-term investment alternatives designed for retirement purposes.
Withdrawals of taxable amounts are subject to income tax and, if made prior to age 59 1/2, may be
subject to a 10% federal tax penalty.

Early withdrawals may be subject to withdrawal charges. An investment in variable annuities involves
risk, including possible loss of principal. The contracts, when redeemed, may be worth more or less
than the original investment.

20

Neil Garrison

Chaz Price

Branch Manager

Managing Director

Financial Advisor of Raymond James Financial Financial Advisor of Raymond James Financial

Services

Services

419-214-4000 (Office)

419-214-4000 (0ffice)

Toll-Free: 844-787-1987

Toll-Free: 844-787-1987

Neil.Garrison@raymondjames.com

Chaz.Price@raymondjames.com

www.WealthatGarrison.com

21

www.WealthatGarrison.com